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What is Critical Illness Cover?

Critical Illness Cover provides a tax-free lump sum payment if you, your partner, or your child are diagnosed with a specified serious illness or disability covered by the policy.

With serious illness affecting many families across the UK, having the right protection in place can provide valuable financial support at a difficult time. The payout can be used however you choose, whether that’s covering household bills, reducing financial commitments, replacing lost income, or allowing you to focus on recovery and spending time with your loved ones.

Many policies also include children’s cover, providing financial support if your child becomes seriously ill, helping you focus on their care rather than your finances.

Benefits

Lump Sum Payout

Receive a tax-free sum to cover your living costs, household bills, or medical expenses upon diagnosis of a covered condition.

Protects Your Family and Lifestyle

Your family can maintain their standard of living even if you need time off work due to illness.

Includes Children’s Cover

Many policies automatically include cover for children, giving you peace of mind that you can care for them during difficult times.

Good to know

Tax Free Payout

The lump sum claim payout is usually tax-free.

Add To Other Policies

Critical Illness Cover can be added to life insurance or taken as a standalone plan.

Limited Savings

If you have less than 3 to 6 months of expenses in emergency funds, it is recommended to have Critical Illness Cover in place.

Get Covered

Answer a few questions and arrange a FREE consultation with one of our experts.

We’ll find you a personalised list of policies to choose from.

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Cover that you can rely on

From an award winning company with access to the UKs best insurance providers to suit your needs and circumstances.

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  • We only work with the best providers in the UK
  • Insurance tailored to your individual needs
  • A friendly UK based customer service team

 

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Over 8,000 families protected

How does it work?

Our process is quick and convenient; you can complete everything online or over the phone, wherever and whenever it works best for you. Simply fill out the contact form to get started, and we'll guide you through the next steps to help protect what matters most.

Frequently asked questions

We’ve created a list of the most commonly asked questions regarding global cover. For more frequently asked questions, visit our help and support page.

Speak with an expert

Need further help? Speak with one of our Advisers.

Most policies cover serious conditions such as cancer, heart attack, stroke, MS, organ failure, and many more. Some policies also provide early-stage cover for less advanced illnesses.

Yes. Many policies automatically include children, providing a lump sum payout if your child is diagnosed with a covered condition.

Upon diagnosis of a covered condition, the insurer pays a tax-free lump sum directly to you, allowing you to manage expenses or take time off work.

Anyone who wants financial protection in case of serious illness, particularly parents or caregivers concerned about supporting their family.

Yes. Critical Illness Cover can often be added to life insurance or arranged as a standalone policy depending on your needs.

About Us

Industry Leading Advice

The Protection Parent is an award-winning independent insurance broker dedicated to helping individuals and families across the UK find the right protection for their needs. By working with a wide panel of leading providers, we offer access to a broad range of policies and handle the research, comparison, and application process on our clients’ behalf.

Our goal is to ensure every family has the right level of protection in place, tailored specifically to their individual circumstances, priorities and budget. Taking the time to understand each client’s needs, concerns, and future plans allows us to guide you through every step of the process and ensure your loved ones are properly protected.

 

Learn more about us


Proud to be a multi-award winning Protection firm

Help & Support

Discover our support guides and frequently asked questions for more information on choosing the right insurance.

Speak with an expert

Need further help? Speak with one of our Advisers.

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  • Rated 5/5 stars on Google
  • We only work with the best providers in the UK
  • Insurance tailored to your individual needs 
  • A friendly UK based customer service team

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