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Critical Illness

This is designed to pay out if you are diagnosed with a serious illness. Each insurer covers you for different illnesses, so each policy would pay out for a list of specific illnesses of a specific criteria of severity. There are insurers that cover 3 different illnesses and insurers that cover 178 different illnesses. Because of this, there is a lot of scope for price difference in Critical Illness Cover, dependent on how comprehensive you want your insurance.

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Critical Illness

Do I need it?

No one can predict the future but with the statistics now showing that 1 in 2 people will suffer from Cancer in their lives. There is a pretty large chance that you could become seriously ill at some stage in you life. While you are fit and healthy is actually the best time to get plans in place and protect your loved ones should the worst happen.

What is it?

Critical illness insurance provides you with a lump sum of money if you are diagnosed with certain illnesses or disabilities.


The kinds of illnesses that are covered are usually long-term and very serious conditions such as a heart attack or stroke, loss of arms or legs, or diseases like cancer, multiple sclerosis or Parkinson’s disease.


If being ill has left you out of pocket, it can be really handy to have a large sum of money to spend on things like everyday expenses, paying off your mortgage or your medical expenses. You can use the money in any way you like, you don’t have to spend it on anything in particular.

Why get advice?

71% of all policies come from independent advice (ABI 2019). It pays to speak to someone who knows what they are doing before choosing your cover. This can save any unfortunate circumstances in the future if you have taken out the wrong policy.


Here at My Protection Guru we offer a free initial chat to find out exactly what you are looking for, before we guide you in the right direction with the correct policy.

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A selection of client reviews

Mitch Pink was the best advisor and helped me a lot, finding the policy and company that suited my needs best!

Miss Hanton

I can’t fault this service. Danny was excellent and very transparent. He explained my options and made sure I understood everything.

Mrs Scott

Honest approach, straight forward and simple without hounding everyday for a response, which was nice.

Mr Roberts

Danny was so helpful and gave some really useful advice. Really pleased with the price and products I was recommended.

Miss Bailey