Support For When Life Takes an Unexpected Turn.
A critical illness can impact more than just your health—it can affect your income, your lifestyle, and your peace of mind.
Critical illness cover provides a tax-free lump sum if you’re diagnosed with a serious medical condition such as cancer, heart attack, or stroke. We’ll help you understand what’s covered, how much protection you might need, and which policies best match your circumstances—so you and your family can focus on recovery, not your finances.
Cotswold Mortgage & Protection are experts in helping you to build the protection plan you need, for when you need it most.
Critical Illness Cover FAQs
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Critical illness cover pays out a tax-free lump sum if you’re diagnosed with a serious medical condition covered by the policy—such as cancer, heart attack, or stroke. It’s designed to ease the financial impact during recovery so you can focus on your health, not your bills.
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This depends on the insurer, but most policies cover the major illnesses that have the biggest impact—like cancer, heart attack, stroke, multiple sclerosis, and some types of surgery. We’ll help you compare policies and understand exactly what’s covered (and what’s not).
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No—life insurance pays out if you die, whereas critical illness cover pays out if you survive a serious illness. They can work together, and many people choose to take out both as part of a full protection plan.
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No. A claim is based on a diagnosis of a qualifying illness—not your ability to work. That means even if you can still do some tasks or continue working part-time, the policy may still pay out if the condition meets the definition.
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It depends on your personal circumstances—such as your mortgage, family responsibilities, and income. We’ll help you calculate how much you might need to support your recovery, cover bills, or make lifestyle adjustments during treatment.
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Drop us a message or book a quick call — no jargon, no pressure, just straightforward advice from someone who’s on your side.
