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for a sweeter

What is Critical Illness Insurance?

Critical illness Insurance, also known as critical illness cover, is a long-term insurance policy which covers serious illnesses listed within a policy. If you get one of these illnesses, a critical illness policy will pay out a tax-free, one-off payment.

Why do I need Critical Illness Insurance?

Statistics show that one in two people born after 1960 will develop cancer at some point in their lifetime. And, every two minutes, someone somewhere is diagnosed with cancer 

If you are one of the unlucky 50% who contracts cancer, a critical illness insurance policy will pay you a lump sum, provided you become ill during the term of the cover. 

What does it cover?

Critical illness insurance pays you a non-taxable lump sum if you’re diagnosed with many life-changing medical conditions, including: 

  • Multiple Sclerosis
  • Heart Attack
  • Stroke
  • Kidney Failure
  • Parkinson Disease
  • Permanent disability following illness or accident

20% of workers take at least 3 months off work due to sickness or injury*

The Critical Illness Numbers^


Over 25% of critical illness claims were made by people under 45.


The average age of people who claimed for multiple sclerosis was 44.


The average age of people who claimed for cancer was 46.

The average cost of a funeral in 2018 was £4,798^^

1 in 5 people have to take at least 3 months off work**

Critical illness cover is designed to support you and your loved ones if you’ve been diagnosed with a specific condition.

You’ll usually receive a lump sum payment to help cover costs of treatment or to help pay the bills if you’re not able to work.

Critical illness insurance usually doesn’t pay out if you pass away – so it’s not always suitable if you want to make sure your family are provided for after you’ve gone.

Life insurance usually only pays out if you pass away. It’s designed to help your family maintain their lifestyle after you’ve gone (eg paying a mortgage or children’s university fees)

FREE Critical Illness Quote

Simply fill in this quick form and one of our friendly and professional advisers will call you back.

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Crystal Legal Services Ltd, Gawsworth House, Westmere Drive, Crewe, CW1 6XB.

Crystal Legal Services Ltd is a claims management company Authorised and regulated by the Financial Conduct Authority.


Company registered in England and wales. Company registration 6837474. Registered office: Fairfield House, Back Lane, Spurstow, Tarporley, Cheshire, CW6 9TE.

Crystal Group does not provide any financial advice. Crystal Group is authorised and regulated by the Financial Conduct Authority as an Appointed Representative of Dragon Insurance Brokers under registrtaion number 599430.  The quotes provided are based on the information you submit to us. Our service is free and you are under no obligation to accept any quotes you receive.