Can you get critical illness cover without life insurance?

Yes, it's possible to obtain critical illness cover without life insurance protection attached.

Statistically, you're more likely to fall critically ill during your working life than to pass away, highlighting the need for such cover.

Arranging critical illness cover without life insurance will only protect you against serious, life-changing illness but not if you were to pass away.

At Reassured, we don’t offer critical illness cover as a standalone policy, although we can arrange life insurance with critical illness cover for the same price; offering extra protection at no extra cost. This is because life insurance poses less risk to the insurer than critical illness.

Simply get in touch today for your free quotes.

Keep reading for everything you need to know about critical illness cover without life insurance…

What is standalone critical illness cover?

Standalone critical illness cover is a policy that protects you if you were to become ill with a life-changing, yet not terminal illness.

This could include heart attacks, stroke, some cancers, blindness and many more.

If diagnosed with an illness covered in your policy you can make a claim and you'll receive a pay out.

This pay out could be used to cover lost income, pay for private medical treatment or to make necessary adaptations to your home.

Unlike a combined critical illness policy which includes life insurance, you'll not be covered if you pass away for any reason.

Therefore, this product won't be suitable if you're looking to protect yourself against terminal illness, accidental death or death from natural causes.

As mentioned, we're able to provide critical illness cover with life insurance for the same price as a standalone policy.

So why not get in touch to arrange additional cover at the same price.

What does standalone critical illness cover protect?

As discussed, a standalone critical illness policy will protect you from many serious illnesses but not terminal illness or death.

The serious illnesses you'll be protected by will vary significantly between providers, making it essential to compare quotes to ensure you get the most comprehensive cover for the best price.

Typically, all standalone critical illness policies will cover you against heart attack, stroke and some cancers.

Additional illnesses you'll be protected for may include:

How much is standalone critical illness cover?

The cost of critical illness cover will vary depending on your personal circumstances and cover you wish to arrange, whether this is combined with life insurance or not.

The insurer will use a number of factors to determine the level of risk you pose and therefore, the likelihood of a claim being made.

These factors include:

  • Age
  • Amount of cover
  • Health and wellbeing
  • Lifestyle
  • Length of cover
  • Smoking status

At Reassured, we can arrange critical illness cover with life insurance from as little as 20p-a-day.

Get in touch today for your free quotes.

How much critical illness cover do you need?

Enter your financial commitments to understand the level of cover you require.

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£121,687 is the estimated average outstanding mortgage per household in the UK.

Our property is generally the largest financial commitment any of us will make.

Your life insurance should cover this significant debt should you no longer be around.

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According to Money Advice Service, full-time childcare in the UK now costs £242 a week.

The loss of a parent could result in the need for additional childcare whilst the surviving parent increases their hours to account for lost income.

Your life insurance cover should factor in this additional required outgoing.

£
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The average level of debt (minus a mortgage) in the UK is £15,385.

Factoring in any outstanding debts in your name when arranging life insurance ensures this burden is not passed to loved ones.

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You may wish to leave your loved ones an inheritance or lump sum gift upon your passing.

Factoring in the gift amount when arranging your cover will ensure the pay out amount will be sufficient to provide your loved ones with this selfless gesture.

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If you are one of the 65% of the UK who are lucky enough to have savings, this could be used as protection if you were to pass away.

Any pay outs from existing life insurance policies and investments can also be used as financial protection for your loved ones if you were no longer around.

Factor this into your required cover amount.

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Your total cover estimate

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Let us find your best quotes.

What is the difference between standalone and combined critical illness cover?

The key difference between standalone and combined critical illness cover is whether or not a life insurance element is attached.

A standalone critical illness policy will only protect you if you become ill with a life-changing, yet not terminal illness.

Combined critical illness cover, on the other hand, encompasses life insurance, providing the added benefit of a pay out also being made if you were to pass away or become terminally ill.

Whilst only one pay out will be made, upon first instance, it does cover multiple aspects, meaning cover is more comprehensive.

For example, if you were to be diagnosed with cancer and given 12 months to live, you would be able to claim on the terminal illness benefit of a combined critical illness policy, but such benefit wouldn't be included within a standalone policy.

The good news is, it's not more expensive to arrange combined cover than it is standalone.

Therefore, it's essential to compare quotes to ensure you receive the most comprehensive cover for the best price.

Why would I want a standalone critical illness policy?

The most common reason for arranging standalone critical illness cover is to run alongside an existing life insurance policy.

Critical illness cover tends to be significantly more expensive than life insurance as a pay out is more likely to occur.

Therefore, when arranging protection, it's not uncommon to arrange life insurance only due to budget.

When budget increases, you may wish to arrange standalone critical illness cover for the additional layer of protection.

Then, if you were to pass away, your loved ones will benefit from multiple life insurance pay outs, whilst you can also enjoy the protection of critical illness cover whilst you're alive.

Critical illness cover quotes

As discussed, the cost and cover of critical illness can vary significantly between providers, making it essential to compare quotes for the best deal.

Our FCA regulated service can help you gain all the information you need to make an informed decision on the right solution for you.

We can arrange combined cover from as little as 20p-a-day and our service is completely fee-free to use.

So, get in touch today and start your journey to being comprehensively protected.

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