Critical Illness Cover
Straightforward guidance to help you choose the right cover for your family or business. Get AdviceWhat is Critical Illness Cover?
Critical illness cover gives you a tax‑free lump sum if you’re diagnosed with one of the serious conditions listed in your policy, such as cancer, a heart attack or a stroke.
This is a one‑off payment you can use in whatever way helps most, paying down your mortgage, making home adjustments, covering private treatment or simply giving yourself some financial breathing room while you focus on getting well.
Many people choose to pair critical illness cover with life insurance so their family has a stronger level of protection in place.
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What Does Critical Illness Cover Include?
Parents & Families
Ensure your family’s lifestyle and living standards are protected even if you are unable to work due to a severe illness.
Homeowners
A lump sum can be used to pay off your mortgage or cover monthly payments, removing the stress of keeping a roof over your head.
Self-Employed & Contractors
Without the cushion of a comprehensive employer sick pay scheme, a lump sum payout can keep you afloat while you recover.
Individuals with Dependants
If others rely on your financial contribution, critical illness cover ensures they won’t struggle if you fall seriously ill.
Anyone Without Employer Benefits
If your employer doesn’t offer extended sick pay or a substantial benefits package, personal cover is essential.
Why it Matters
Financial Support, Upfront
A one‑off, tax‑free payment you can use in whatever way helps most, no hoops, no restrictions, just support when you need it.
Protect Your Family’s Home
Gives you the option to clear your mortgage so your family can stay secure in their home while you focus on getting well.
Help With Lost Earnings
Helps cover lost earnings if you or your partner need time off work to look after your health and keep life steady.
Faster Access to Care
Use the payout to reach specialist care or private treatment quickly, without long waiting lists getting in the way.
Peace of Mind
Focus entirely on your health and recovery without the overwhelming anxiety of financial pressure.
How Much Cover Do You Need?
The right level of cover is highly individual. It depends on your current financial obligations, your lifestyle, and what you want the policy to achieve if you were to become seriously ill.
Key factors to consider include:
Your outstanding mortgage balance
Your current annual income
Number of dependants and their ongoing needs
Any other outstanding personal debts or loans
Potential costs for private treatment or home adaptations
Whether your partner would need to take time off to care for you
Every family’s situation is different, so it’s okay not to have it all worked out. Our adviser will refer you an adviser through Parkway Mortgages, they will go through your own circumstances at your pace, and help you find a level of cover that feels right for you.
Why Choose Insure My Health?
When you enquire about Life Insurance or Critical Illness Cover, you’re still dealing with us at Insure My Health. For these two specific types of protection, we work closely with our trusted partners at Parkway Mortgages.. They’re specialists in this area, and one of their advisers will get in touch to guide you through your options.
You can expect the same clear, friendly, top‑quality service you’re used to from IMH, just delivered by the people who focus on this every day. We stay connected throughout, and you’re always welcome to come back to us if you need anything.
✓ Independent, whole‑of‑market advice
✓ Friendly, clear guidance
✓ No nonsense
✓ Support from first chat through to renewal
Insure My Health are not authorised to provide advice on Life Insurance, this will be referred to a trusted third-party adviser through Parkway Mortgages.