What is a Critical Illness Cover?
Most of us don't like to think about falling seriously ill, but having a plan in place can make all the difference. Critical Illness Cover is designed to give you a tax-free lump sum if you’re diagnosed with a serious condition covered by your policy.
Think of it as a financial breathing space. You can use the payout however you see fit, whether that’s covering the mortgage, keeping up with the bills, or even adapting your home while you focus on getting better.
How Critical Illness Cover works
How much does Critical Illness Cover cost?
Your monthly premium will depend on a number of factors, such as:
Your age
Your current health condition, weight, and family medical history
Additional cover from other leading insurers is also available.
Do I need critical illness coverage in the UK?
Although it's impossible to predict what health issues may arise in the future, it is possible to ensure financial readiness.
Consider the expenses that need to be covered in the event of a critical illness that prevents you from working. Monthly rent or bill payments, loan installments, or mortgage repayments are just some of them. If you lack sufficient savings, obtaining a coverage like this can alleviate financial stress during the recovery or treatment period.
TERMS AND CONDITIONS APPLY. THE PLAN WILL HAVE NO CASH-IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM.
Looking for something else? We're here to help.
From family protection and mortgages to specialist commercial cover, we’ve got you sorted. Because we’re part of a wider group of financial and wealth management specialists, you get the best of both worlds: professional, big-picture expertise delivered with a friendly, personal touch.
Trusted by thousands of happy customers
We’re part of Openwork Ltd, one of the UK’s leading financial networks, to bring you expert advice you can trust. At BVS Protection, our qualified advisers don’t believe in 'one size fits all.' We’re constantly refining our standards to make sure the cover we recommend is perfectly suited to you and your family.


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Your first conversation is informal and there is no obligation to proceed. You can contact us using the details below.
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