It’s not something anyone likes to think about, but what would happen if you were diagnosed with a serious illness and had to take time off work? How would you and your family cope financially? Critical illness cover may help.

  • Critical illness cover can help ensure that you and your family are financially protected if the worst happens.
  • Critical illness cover pays out a cash sum if you’re diagnosed with one of the critical illnesses covered by your policy.
  • Policies can include cover for your children too – both children’s critical illness cover and children’s life cover.
  • You can combine critical illness cover with life cover, so you’re also covered if you die during the term of your policy.
  • Critical illness cover can also give you more than just financial protection, with access to practical and emotional support at a time when you might need it most. If you choose critical illness cover from Scottish Widows, this is available through Scottish Widows Care.
     

Critical Illness policies have no cash-in value at any time. If you don’t pay your premiums on time your cover will stop, your policy will end and you’ll get nothing back.

The importance of Critical Illness Cover

The importance of Critical Illness Cover

The reason for taking out critical illness cover is to provide for you and your family if the unexpected should happen. This is never more evident than when you have to make a claim.

In 2023, we paid out £149 million in life cover claims and £93 million in critical illness claims, helping over 11,700 families. We paid out 98% of claims, with 61% of critical illness claims being for cancer.

GOT A QUESTION?

GOT A QUESTION?

If you need to ask us a question about life insurance, then get in touch.

Contact us

HOW TO APPLY

HOW TO APPLY

Are you looking for life cover or critical illness cover? Find out how you can apply.

How to apply

Financial Services Compensation Scheme (FSCS)

Go to the FSCS website