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covering critical illness

Critical Illness cover is designed to take the financial pressure off an employee, should they develop a medical condition defined as a critical illness by the insurer. Typically, roughly 13 core illnesses are covered including cancer, heart attack, stroke and dementia.


In the unfortunate event a critical illness is diagnosed, a tax-free lump sum will be paid directly to the employee who can spend it how they wish. It could be used to pay bills, fund healthcare costs, or finance a well-earned holiday to enjoy once treatment is complete.

The lump sum is normally based on a multiple of an employee’s salary from 1X to 5X, with the maximum benefit up to £500,000.

Children are typically covered free of charge from birth until their 18th birthday with lower benefits. Partners of employees can also be considered.


Most critical illness insurers allow the cover to be extended, at additional cost, to cover a more extensive list of medical conditions.

Added-value benefits such as stress counselling, nursing helplines and second medical opinion services are often incorporated within a critical illness policy. 

Including critical illness cover in an employee benefits package will show your employees that you care about their well-being. As a result, not only will you retain employees, but you will also attract new starters to join. 

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