Critical Illness Cover

Serious Illness Insurance that protects you and your family.

Critical illness cover pays a lump sum if you’re diagnosed with a serious illness.

We understand critical illness cover

A serious illness can have life-changing consequences, both emotionally and financially.

Critical illness cover provides valuable financial protection, helping you and your family manage the impact of a serious diagnosis. If you are unable to work due to a specified illness or medical condition, critical illness insurance can provide a financial safety net and peace of mind during an already difficult time.

The payout from a critical illness policy can help cover important expenses such as:

Mortgage or rent payments
Household bills and everyday living costs
Paying off debts or loans
Funding medical treatment or rehabilitation
Making adaptations to your home, such as wheelchair access

At Pangea Life, we specialise in helping individuals and families find the right critical illness cover for their specific circumstances. By understanding your needs, lifestyle, and financial commitments, we can help arrange protection designed to safeguard your home, your income, and your family’s financial future.

FREQUENTLY ASKED QUESTIONS

What is critical illness cover?
Critical illness cover is a type of insurance that pays a tax-free lump sum if you are diagnosed with a specified serious illness listed in the policy and it meets the required severity. This financial support can help cover your mortgage, bills, debts, or living expenses while you focus on recovery.
What illnesses are covered by critical illness insuance?
The illnesses covered vary between insurers, but most critical illness policies in the UK include conditions such as:

Cancer
Heart attack
Stroke
Multiple sclerosis
Organ failure
Major organ transplant
Paralysis

Some policies may also cover additional conditions or provide partial payments for less severe illnesses. Our insurance specialists at Pangea Life can help explain what is covered and compare policies.
How does critical illness cover work?
When you take out critical illness insurance, you choose the level of cover and the length of the policy term. If you are diagnosed with one of the illnesses listed in the policy and it meets the insurer’s criteria, the policy pays out a one-off tax-free lump sum. After a successful claim is paid, the policy normally ends.
How much critical illness cover do I need?
The amount of cover you need depends on your personal circumstances, including your mortgage, monthly expenses, debts, and family responsibilities. Many people choose enough cover to protect their mortgage or replace income for a period of time.

At Pangea Life, we help you review your financial commitments to determine the level of cover that may be appropriate for your needs.
How much does critical illness insurance cost?
The cost of critical illness cover in the UK depends on several factors, including:

Your age
Your health and medical history
Lifestyle factors such as smoking
Your occupation
The amount of cover and policy length

Premiums are often lower when cover is arranged earlier in life, which is why many people choose to put protection in place when taking out a mortgage.
Can I get critical illness cover if I have existing health conditions?
It may still be possible to arrange critical illness insurance if you have existing or previous health conditions. The insurer may apply exclusions, adjust the premium, or offer alternative terms depending on your circumstances.

Our team are on hand to assist and help identify insurers that may be more suitable for your situation.