Critical illness cover
Add critical illness cover to your life insurance policy for extra support when life takes an unexpected turn.
Only available as an add-on when you take out life insurance, critical illness cover pays out a lump sum if you or your child become ill with a condition covered by the policy — so you can focus on recovery.
Nationwide life insurance policies are provided by our trusted partner, L&G.
Get a quote in as little as two minutes.
Apply online and receive a £75 gift card for M&S or Amazon, terms apply.
Make sure you understand our eligibility criteria and have read our important documents.
- For family protection you must be 18 to 77.
- For mortgage protection you must be 18 to 74.
- If you add critical illness cover, you must be 18 to 67
Terms, limits and exclusions that apply are explained in the Policy Summary document (PDF, 228KB - opens in a new window).
Information about life insurance pay outs:
Do I need critical illness cover?
Critical illness cover can help lessen your financial worries by paying out a lump sum if you’re diagnosed with a serious illness. Or suffer a significant injury that is covered under the policy.
You could use the money to help pay the mortgage or rent. Or it could go towards other bills and everyday expenses. It could also allow you to make lifestyle changes or modifications to your home if needed.
Information:
Terms, limits and exclusions that apply are explained in the Policy Summary document (PDF, 228KB - opens in a new window).
For Emma and Jack, life changed almost overnight. From juggling work and looking after their young son to facing brain surgery and months of recovery. Their critical illness cover helped ease the pressure when they needed it most.
Did you know, it also covers 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 a condition covered by the policy.Offers £5,000 Accident Hospitalisation Benefit
If your child is in hospital with physical injuries for 28 days or more, directly after an accident.Includes Family Accommodation Benefit
Paying 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.Covers your children until adulthood
Your child is covered from when they’re 30 days old to their 18th birthday. Or their 21st if they are in full time education.
If the unthinkable should happen, this cover could offer financial help of up to £4,000 towards the cost of a funeral.
Life insurance with critical illness cover offers you:
A policy you can build your own way
Pick a level of life insurance cover to suit your needs and budget. And then decide whether to add critical illness cover to your policy.
2 separate policies
Critical illness cover will be separate from your life insurance policy. So both could be claimed on.
Personalised support for you and your family
Call Wellbeing Support to get practical and emotional assistance from experienced registered nurses. Whether you need to claim or not.
Talk with care experts
Care Concierge offers confidential guidance should you, or your family need care. You can call to discuss the options available, and the cost of care in your area.
Get cover you can rely on
We’ve partnered with L&G – one of the UK’s top life insurance providers. Getting a quote takes 2 minutes, and you could have cover in 20 minutes.
By continuing to get a life insurance quote, you're confirming you meet the age requirements to apply for life insurance.