Critical Illness Cover with life insurance
OUR ASSESSMENT
This is a combined-purchase route, so compare the illness definition and the effect of a claim as well as the lump sum.
Features to compare
- Critical Illness Cover can be added for an extra cost when arranging Life or Decreasing Life Insurance.
- Payment depends on meeting the definition of an insured condition, rather than any serious diagnosis.
Limitations and checks
- Direct and adviser versions may differ. Check how the illness payment affects the remaining life cover.
The question to ask
After a critical-illness payment, what life cover remains under this exact contract?
Before arranging cover
Use the current policy wording and your quotation schedule to confirm these points. Our assessment is desk research, not a first-hand claims test or a personal recommendation. We have not assigned a product score or established comparable claims-service performance.
Sources & further reading
Checked 2026-09-27. Policy terms and source ratings can change.
Provider information checked 2026-09-27. The linked provider information supports the product summary; the assessment and questions are Coverwell editorial analysis. Availability and accepted terms depend on the quotation.
