A Critical Illness policy pays out a tax-free lump sum if you are diagnosed with one of the specific illnesses covered under the policy.

It is important to be aware that this is a once-off lump sum, and not an ongoing income.

The illnesses covered vary from provider to provider, so you should check what illnesses are covered before you take out cover.

We will explain to you the differences between each provider’s offering and explain to you any restrictions, conditions and exclusions that may apply, and make sure that you have a policy that suits you and that you fully understand.