Standalone Critical Illness Cover

Many people are looking at taking out critical illness cover, and with good reason. Indeed, some 300,000 new cancer diagnoses are made per year, approximately 400 people per day experience a stroke and around 100,000 people are diagnosed with MS each year.

With that in mind, it might be worth considering taking out standalone critical illness cover, alongside any life insurance products you may already have.

To help you decide whether standalone critical illness cover is right for you, we’ve put together this article.

We’ll be looking at the following:

A fully qualified and experienced standalone critical illness insurance advisor will be able to answer all your questions. Not only that, they can share details and help you compare policies to help you understand which offer the best value for money.

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What is standalone critical illness cover?

Standalone critical illness cover is where someone takes out insurance for any critical illness diagnoses without it being part of another type of insurance policy, such as life insurance.

Most critical illness life insurance policies in the UK can and do payout if the policyholder is diagnosed with a critical illness such as cancer, a brain tumour, a stroke or severe heart problems (to name a few). Provided you have the right policy and have filled in your paperwork correctly to ensure your cover is valid.

Critical illness cover is something that can be bought at the same time as other insurance cover, or a policy can be purchased as a standalone product, regardless of whether you have other cover. If you’re considering taking out standalone critical illness cover, but are unsure as to what you need and which provider to use, speaking with an advisor can help.


Can I get critical illness cover on its own, without buying life insurance?

Yes, just as you can buy life insurance without taking out separate critical illness cover, you can also buy standalone critical illness cover without having life insurance.

It’s something that, when you’re younger, you may not consider to be an important regular use of your income. However, as you get older and take on more responsibilities, it can be something people begin to consider. Though bear in mind that the younger and healthier you are, the lower your monthly premiums will be.


What’s the best standalone critical illness cover?

The best standalone critical illness cover is a difficult thing to identify. That’s because a policy and provider that might be best for one person, though may not be for another. Even though many critical illness cover policies insure against a similar list of illnesses, the level of cover can differ.

In addition, if you’ve already been diagnosed with one type of critical illness, you may still wish to buy cover against other types of critical illnesses. In this situation, opting for a different provider may be the best option.

To ensure you’re considering only the best standalone critical illness cover for your specific needs and circumstances, it can help to speak with a qualified and experienced advisor, like those we work with.

Get in touch and we’ll connect you with the right insurance advisor for your standalone critical illness cover needs. They can answer all your questions and help you find the right cover for you. They can also help you fill in all the paperwork and avoid a problem due to non-disclosure, which is a factor in many provider’s refusal to pay out on a claim.


Should I get critical illness cover without life insurance?

Whether or not you should get standalone critical illness cover is a personal decision. However, if you don’t understand critical illness cover too well and wish to find out more about it, speaking with an expert is a good idea.

That’s because if you do decide to take out critical illness cover without buying life insurance at the same time, you need to be sure the policy you’re considering is right for you. You may also need help filling out all the paperwork. That’s because failure to disclose all medical details requested by your provider can result in a failed claim, should the worst happen.

It’s also worth noting that getting critical illness cover, either with a life insurance policy or without, is something that more people are doing. You may even get a better deal by combining the two, as the costs might be lower than if they were both standalone.

An experienced insurance advisor can help answer that question, after considering and discussing your personal and specific circumstances. Make an enquiry to get started.


Speak with a standalone critical illness cover expert today

To find out more about critical illness cover, with or without life insurance, it can help to speak with an advisor. They can give you the information you’re looking for about critical illness cover and help you find the best policy for your needs. If you’re interested in speaking to an advisor then get in touch with us by phoning 0808 189 0463 or make an enquiry here.

We'll match you with your perfect financial advisor

Save time and money with an expert who specialises in cases like yours

We'll match you with your perfect financial advisor

Save time & money with an expert who specialises in cases like yours.

We’ll match you with your perfect financial advisor – for free.