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Critical Illness Cover

Provides a lump sum if you or your child become ill with one of the conditions covered.

Only available as an optional add-on when you take out Life Insurance, for an extra charge.

Provided by our trusted partners Legal & General.

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Why choose Critical Illness Cover through Nationwide?

Critical Illness Cover can help lessen your financial worries by paying out a lump sum if you’re diagnosed with a serious illness.

You could use the money to help pay the mortgage or rent, or other bills and everyday expenses. It could also allow you to make lifestyle changes or modifications to your home if you need to.

Information:

Terms, limits and exclusions that apply are explained in the Policy Summary document.

  1. 5 Star rated cover

    The Life Insurance with Critical Illness Cover we offer online is 5 Star rated from the experts at Defaqto. Meaning it’s among the most comprehensive cover you can buy.

  2. Build your policy your way

    Choose a level of cover to suit your needs and budget.

  1. Separate policies

    Critical Illness Cover will be separate from your Life Insurance policy. So both could be claimed on.

  2. An advance payment up to £5,000

    The Early Days Advance Payment gives some financial relief while claims are being assessed.

  1. No price rises

    Unless you make a change, your payments will stay the same for the length of your policy.

  2. Cover for your children

    Pays out a lump sum if your child is diagnosed with one of the conditions covered, or hospitalised by an accident.

Cover for your children

Children’s Critical Illness Cover will be 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 your child is diagnosed with one of the conditions covered.

  • £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.

How Critical Illness Cover works

  1. You need to take out a Life Insurance policy

    Critical Illness Cover is only available as an optional add-on when you take out a Life Insurance policy through us. You’ll then pay an extra premium on top of your Life Insurance premium.

    We’ll ask if you want to add Critical Illness Cover when you get your Life Insurance quote. If you say no and go on to apply, you won’t be able to add it later.

    Keep in mind Life Insurance and Critical Illness Cover are separate policies and can have different term lengths. Life Insurance can cover you up to your 90th birthday. Critical Illness Cover can cover you up to your 75th birthday.

  2. Choose the amount of cover you need

    Like with Life Insurance, you choose the amount you’ll be covered for. This will depend on your budget, and expenses you think you might have while you recover or get treatment.

    This amount will then be fixed for the length of the policy.

  3. If you claim, your Life Insurance won’t be affected

    Life Insurance and Critical Illness Cover are separate policies.

    That means you can claim if you’re diagnosed with one of the illnesses covered, and your Life Insurance policy could still pay out later.

Information:

Life Insurance is not a savings or investment product. It will only pay out if a valid claim is made.

Important documents

Before you apply online, please make sure you’re comfortable with the details of the policy and the services we’ll provide.

The terms, limits and exclusions that apply are explained in the Policy Summary document.

And you can read more about the Early Days Advance Payment, or the conditions covered by Critical Illness Cover.

To apply for Critical Illness Cover

You need to be:

  • Between 18 and 67 years old.

Get a Life Insurance with Critical Illness Cover quote

If you know what cover you need, you can get a quote and apply for Life Insurance and Critical Illness Cover online.

But if you’d like some advice, you can book a free appointment to speak to an adviser at Legal & General.

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