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Critical Illness Insurance

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Are you worried about being unable to work due to an illness or disability?

Unfortunately, we are all affected by critical illness in one way or another, so it is important to put measures in place to protect your loved ones. Critical Illness Cover (CIC) financially supports individuals and families in the event of being diagnosed with a specific illness or medical condition during the policy, providing a tax-free lump sum.

According to Cancer Research, one in two UK citizens will be diagnosed with cancer during their lifetime. Critical Illness Cover (CIC) is an ideal back-up plan if you find yourself in the worst-case scenario to ensure you can keep paying the bills and look after your loved ones.

How does Critical Illness Cover work?

Critical Illness Insurance provides peace of mind that you and your loved ones will be protected should the worst happen, with the added benefit that this cover pays out while you are still alive.

Critical Illness Cover allows you to keep up with your lifestyle costs in the event of you becoming seriously ill. For a full list of covered conditions, please refer to your policy booklet.

Why choose Critical Illness Cover?

What is the difference between Critical Illness Cover and Income Protection Insurance?

People often confuse Income Protection Insurance with Critical Illness Cover but the two differ in the way that you benefit from the cover. Critical Illness Cover pays out in one lump sum, whereas Income Protection insurance pays out in monthly instalments. The amount you receive with an Income Protection policy is linked to your salary. Income Protection Insurance helps to protect you against day-to-day illnesses and health reasons to be unable to work, whereas Critical Illness Cov is for more serious, potentially life-changing illnesses.

If you need some guidance on which type of cover is best for you, get in touch with our friendly and knowledgeable advisors on 0161 241 6146.

Why choose Caspian Insurance Services to compare Critical Illness Cover?

Please note that the descriptions above do not constitute as financial advice and may change dependent on individual circumstances and budgetary requirements.

For quick and easy quotes, please get in touch on 0161 241 6146 and one of our friendly and knowledgeable advisors will be able to help.

Why Choose Caspian Insurance?

Save Time & Money

With a helping hand along the way, we search the market for you to secure the right policy at affordable prices.


Our extensive industry knowledge means we can provide you with the best policy options for your life protection.

UK Based Advisors

No call centres, no jargon. Just a team of experienced advisors dedicated to providing a customer centric approach.

Tailored Policy

With a custom-made policy, you will be confident in the knowledge that your loved ones will be taken care of in the worst-case scenario.

Free Trust Service

Receive specialist support and guidance via our free trust service for a clear understanding of how different policies work.

Exclusive Broker Benefits

We do the hard work for you to ease the underwriting process and compare a wide range of insurers in line with your best interests.

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