No one wants to think about getting seriously ill and no one ever expects it to happen to them. A phone call, a diagnosis, a sudden shift that turns everything upside down.
We plan holidays, birthdays and home renovations (just to name a few) but it’s rare we plan for getting seriously ill. Yet for thousands of families in the UK last year, that one unexpected moment became a reality.
That’s where something called critical illness cover made all the difference for these families.
The safety net you never hope you’ll need
Critical illness cover is designed to pay out a tax-free lump sum if you’re diagnosed with a serious condition such as cancer, heart attack or stroke.
It’s not a topic anyone enjoys thinking about but it’s one that can completely change how you cope when life takes a turn.
The payout can go towards the mortgage, bills or simply give you and your family some breathing roomso you can focus on recovery.
Real help when it mattered most
According to the Association of British Insurers 2025 Claims Report, when it comes to critical illness cover, cancer was the most commonly claimed illness, accounting for 62% of all critical illness payouts. Cancer was also the top claimed condition in both 2023 and 2024.
In total, over £1.4 billion was paid out last year, supporting more than 20,000 families across the UK during some of the hardest moments of their lives.
Behind those numbers are real people – parents, partners and homeowners who made one smart decision when they were healthy and it changed everything later.
Why more people are reconsidering it
Critical illness insurance is about knowing you have options if the unexpected happens.
It’s there so you don’t need to dip into savings or rely on others for money – it’s there so you’re able to focus fully on recoverywithout financial worry hanging over you.
Many people choose to add it alongside life insurance so they’re covered both if they pass awayand if they become seriously ill.
A simple way to be prepared
If you’ve got a mortgage, children or anyone who depends on your income, it’s worth exploring what kind of cover could work for you.
At IGotCover, specialists make it easy to compare trusted UK insurersand find a plan that fits your needs without jargon or sales pressure. Just clear, simple advice to help get you protected and prepared for every scenario.
