Features and benefits

Available as an optional addition to Life Insurance, for an extra charge. This cover could help you and your family pay the mortgage or rent, bills and everyday expenses. If you can’t work, it’ll allow you to focus on your health.

Brought to you by Nationwide and provided by our trusted partners Legal & General.

  • Pays out the claim as a lump sum
    If during the policy, you are diagnosed with one of the wide range of conditions covered - PDF 118KB (opens in a new window) during the length of the policy.

  • Fixed payments throughout the policy
    Unless you make a change.

  • Advance payment of up to £5,000
    The Early Days Advance Payment - PDF 232KB (opens in a new window) offers some financial relief while claims are being processed.

  • Up to £1,000 towards registered childcare
    For your children under five, when you’ve made a valid claim.

  • Option to add Waiver of Premium at an extra cost
    Covers your monthly payment after 26 weeks if you can’t work due to sickness or injury.

Plus, get a 15% discount if you’re a Nationwide member. You’re a Nationwide member if you hold a Nationwide mortgage, savings or current account. You’ll also need to have got your quote on or after 23 June 2021.

Cover for your children

Children’s Critical Illness Cover is included in your policy. This could help if you need to take time off work to focus on their health.

  • Pays out a lump sum
    Up to £25,000 or 50% of your amount of cover, whichever is lower. If during the policy your child is diagnosed with one of the conditions covered - PDF 118KB (opens in a new window) (except for Total and Permanent Disability).

  • £5,000 Accident Hospitalisation Benefit
    If your child is in hospital with physical injuries, for 28 days or more, directly after an accident.

  • Family Accommodation Benefit
    Pays up to £100 per night for each night your child spends in hospital in the 3 months following their diagnosis, up to a maximum of £1,000.

If the unthinkable should happen, this cover could offer financial help of up to £4,000, towards the cost of a funeral.


Critical Illness Cover does not offer: 

  • Cover for over  75s
    You choose how long you’d like your cover to last. A policy that includes Critical Illness Cover can provide cover until your 75th birthday. However, our Life Insurance only policies can provide cover until you’re 90 years old.


Critical Illness Cover is not a savings or investment product ‐ it will only pay out if a valid claim is made.

Terms, limits and exclusions that apply are explained in the Policy Summary - PDF 216KB (opens in a new window).

Types of cover

Level cover - Life Insurance with Critical Illness Cover

The lump sum stays the same throughout the length of time you are insured for.

Level cover could be suitable if you want to cover yourself for a specific amount. It could cover things like:

  • An interest only mortgage - as the amount you owe won’t have gone down over time.
  • Rent payments.
  • Childcare or school fees.

To apply for level cover

You need to be:

  • Between 18 and 67 years old.

Decreasing cover - Life Insurance with Critical Illness Cover

The lump sum you're insured for reduces over the length of the policy.

Decreasing cover could be suitable if you have a repayment mortgage. Your level of cover will go down over time, roughly in line with the amount you owe on your mortgage.

To apply for decreasing cover

You need to be:

  • Between 18 and 64 years old.