Critical Illness Cover: Financial protection when you need it most.
CRITICAL ILLNESS INSURANCE UK WIDE
From Aberdeen to London and beyond — our expert team helps you set up Critical Illness Insurance before life takes an unexpected turn.
Critical Illness Cover gives you vital financial support if you’re diagnosed with a serious medical condition — helping you protect your mortgage, income, and family when it matters most.
Whether you live in Aberdeen, London, or anywhere in the UK, Critical Illness Cover from Hay-House Financial Services offers peace of mind, fast access to funds, and tailored protection for your unique circumstances.
Critical Illness Cover is a type of insurance that pays a tax-free lump sum if you’re diagnosed with a specified serious illness. Commonly covered conditions include:
- Cancer
- Heart attack
- Stroke
- Multiple sclerosis
- Kidney or liver failure
- Parkinson’s disease
- Major organ transplants
- And many more (depending on the provider and policy)
The payout is yours to use however you need. Many clients use it to:
- Pay off or reduce their mortgage
- Cover medical or private treatment costs
- Replace lost income during recovery
- Make home adaptations
- Support loved ones through a difficult time
Even a short period off work due to illness can have major financial consequences. With Critical Illness Cover, you’ll benefit from:
- A financial cushion while you recover
- Help keeping up with your mortgage or rent
- Protection for your family’s lifestyle and living costs
- Less reliance on savings or state benefits
- Freedom to focus on your health — not your finances
Critical Illness Cover
Life Insurance
Many clients choose to combine both for full protection. Our expert advisors can help you create a cost-effective, comprehensive plan.
Critical Illness Cover
Serious Illness Insurance
Some providers offer Serious Illness Cover, which pays a proportion of the cover amount depending on the severity of your diagnosis.
Alexander changed his critical illness cover to a Serious Illness Cover policy. He was the sole provider in the family, with 3 young children all under 10 years old. They had recently purchased a new property as a renovation project which Alexander was planning to do along his full time employment.
During the Christmas break, Alexander became unwell with the flu which developed into sepsis of the lung meaning Alexander was placed in a coma for 6 months.
If he still had his critical illness policy he wouldn’t have received any pay out however because he had changed this to a serious illness policy he received 50% of the sum assured meaning his family could have the breathing space to continue with their day to day tasks until Alexander completed the long road of his recovery which took a total of 18months.
Premiums vary depending on factors such as:
- Your age and health
- Smoking status
- The level of cover and term
- Whether you combine it with life insurance
We compare top UK insurers to find the best fit for your needs and budget — ensuring you never pay more than necessary for solid protection.
- Expert mortgage and protection advisors
- Access to the UK’s most trusted insurers
- Clear, impartial advice tailored to your situation
- Bundle your critical illness insurance with life cover or income protection
- Ongoing policy reviews — to keep cover relevant as life changes
Get Critical Illness Cover that works for you
A critical illness can turn life upside down — but your finances don’t have to fall apart with it. With Critical Illness Cover, you can recover with dignity and security.
Contact Hay-House Financial Services today for expert advice.
Call us on 07502 523238 or Email sl@hay-house.co.uk to book your consultation today for expert, financial advice you can trust.