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 a similar price to standalone critical illness; offering extra protection at no extra cost.

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 help 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 are able to provide critical illness cover with life insurance for a similar price as a standalone critical illness policy.

So why not get in touch to arrange additional cover for a similar price.

What does standalone critical illness cover protect?

As discussed, a standalone critical illness policy will provide protection for many serious illnesses but not terminal illness or death.

The serious illnesses you'll be protected for 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 33p-a-day.

Get in touch today for your free quotes.

How much critical illness cover do I need calculator.

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

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£137,934 is the estimated mortgage debt per household in the UK.

The purchase of a home is likely to be the largest financial commitment any of us will make in our lifetime. Your life insurance should cover your remaining mortgage balance to allow your loved ones to stay in the family home should anything happen to you.

Source: Moneynerd.co.uk

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The average monthly household budget in the UK is £2,548 (that’s £30,576 per year), which is spent on transport, food & drink, utilities (gas, electricity, water etc), clothing, council tax and leisure activities.

With energy prices hitting a record high and the cost of living rising sharply in the UK, you may wish to factor in utility bills and family living expenses into your cover.

Source: Nimblefins.co.uk

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The average personal debt of UK adults has risen to £34,566 (not including mortgage debt), with credit cards, personal loans and overdrafts being the most common forms of debt.

Factoring in any debts into your life insurance cover means that, if they need to be paid back from your estate after your passing, your loved ones won’t miss out financially.

Source: Money.co.uk

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According to SunLife, the average cost of a funeral in the UK is £3,953 (with the overall cost of dying at £9,200).

Funeral costs have increased by 116% since 2004 and are a significant cost which should be factored into the amount of life insurance you secure.

Source: SunLife.co.uk

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When factoring in cover for your children, you may wish to calculate the amount based on how long it is until they reach financial independence.

This could include childcare (£7,000 per year for part-time care), school expenses (£1,519 per school year for uniforms, lunches, stationary etc), as well as an additional sum for further education (this could be a contribution of up to £5,000 per year).

Sources: Daynurseries.co.uk, Primarytimes.co.uk & Savethestudent.org

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2 in 5 adults say they are relying on an inheritance to fund their retirement.

Factoring in an inheritance to your sum assured could allow loved ones to live a more financially comfortable life. Alternatively, you could leave a cash gift to a charity of your choosing.

Source: Moneyage.co.uk

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If you’re lucky enough to have your own savings or are part of the 30% of UK residents who already have a life insurance policy in place, this can provide financial protection for loved ones.

By entering your current cover, savings or death in service amount you can reduce the sum assured you require.

Source: Scottishbusinessnews.net

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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 provide financial protection 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 usually much more expensive to arrange combined cover, than it is stand alone.

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.

However, due to a minimal difference in cost, in this instance, it may be beneficial to take out a combined life insurance with critical illness cover policy.

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.

Our FCA-regulated service could 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 33p-a-day and our broker service is free of charge.

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

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