Smart Choice Finance

Critical illness cover in the UK

support in difficult times

Sadly, no one can be certain that they will never be diagnosed with a serious illness or experience a severe injury. Should this happen to you, it’s crucial that you can afford treatment or rehabilitation so that you can concentrate on your recovery. It’s vital to protect yourself financially in case of a serious illness.

Who can benefit from Critical Illness Cover?

Anyone who is over 17 can buy this policy, including those in the retirement age. Should you be diagnosed with a serious illness, you will receive the payout which can be spent in any way you like.

What do you gain with Critical Illness Cover in the UK?

  • Money for unexpected treatment costs, e.g. medicines, rehabilitation or private consultations
  • Cover for your family finances during the course of your illness
  • Money to adapt your home so it can meet your needs
  • Inclusion of your child’s cover
  • Provision for your financial obligations, e.g. debts and loans
  • No added stress about the money

Smart Choice

Features of insurance

Flexible choice

  • You decide on the payout sum and how much you pay in premiums.
  • Depending on your needs, you can insure yourself against up to 174 conditions

Types of Critical Illness Cover in the UK

Depending on the plan you choose, the policy can cover you against over 170 serious conditions and their complications, e.g.: cancer, heart attack, brain hemorrhage, coronary heart disease that requires surgery, multiple sclerosis, Alzheimer’s disease, Creutzfeldt-Jakob disease, Parkinson’s disease, grafts, kidney failure, meningitis, third degree burns, respiratory failure, stroke, loss of sight or hearing, dementia, HIV infection, paralysis, liver failure and even loss of hand or foot


In the case of Critical Illness Cover, you will receive any benefit as a single lump sum payment.

Easy conclusion of contract

All you need to do is get in touch with us or one of our insurance agents and arrange a meeting. During the meeting, we will discuss the plans available as well as clarify any ambiguities.

Constant care

We guarantee constant care from our insurance agents. If you’re diagnosed with a critical illness that meets our policy definition, all you need to do is contact us. We will help you with all the formalities.

Exclusions and restrictions

Under certain circumstances the policy cannot be applied or its scope will be limited. But don’t worry – our agents will discuss all such events with you.

See also other products

Protect your future and the future of your loved ones.

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