• Extra protection with critical illness insurance

    We explain what you need to know about critical illness insurance to help you decide if it’s the type of insurance cover you need.

    Critical illness cover: Small girl resting head on dad's shoulder

    What is critical illness insurance cover?

    Critical illness insurance can provide some financial security, if you were diagnosed with a serious illness. A critical illness policy will pay out if you’re diagnosed with a serious medical condition, as defined by the policy.

    What illnesses are covered by critical illness insurance?

    Typically, most critical illness insurance covers common conditions such as heart attack, stroke and certain types of cancer. Many more conditions can be included and the extent of a policy’s cover will be reflected in the premium you pay.

    Take time to check exactly what is covered and always look for further details that might affect your right to claim, such as how serious the diagnosis needs to be. Never assume two products are the same.

    Why might you need critical illness insurance?

    If you have a family who are dependent on your salary you may want to put some financial protection in place in case you can’t work due to a serious illness.

    How can you buy critical illness insurance?

    Critical illness insurance is often combined with term life insurance and paid for together in one monthly premium. If you already have enough life cover, you can buy a standalone critical illness policy.

    SunLife offers Family Life Insurance, straightforward life insurance with critical illness cover as an option you can choose to add if you wish.

    SunLife offers a range of straightforward and affordable products including over 50s life insurance, funeral plans, life insurance, pet insurance, home insurance, ISAs and Will writing services.