Contact Us
Client Portal

Critical Illness

What is critical illness cover?

Critical illness cover is a type of protection insurance that pays out a tax-free lump sum if you are diagnosed with an insurer specified illness during the life of your policy.

We understand how difficult life can be without financial support, so we are here to provide you with tailored quotes to help protect your loved ones from the unexpected.
Speak to an Expert
Give you and your family peace of mind with critical illness cover.

Do I need critical illness cover?

If you have dependents or people that rely on you for support, or if you are the main financial provider for your household, then it is worth considering critical illness cover. Not only does this give you peace of mind that you and your family are financially protected if you were to fall ill but you can use the money for whatever you need.

What conditions are covered?

All insurers and their critical illness policies are different, however there are several conditions that are always included, such as heart attacks, strokes and some types of cancer.

Some conditions such as Alzheimer’s or Parkinson’s disease are often covered under critical illness policy, but if you want a full list of conditions that are covered under different insurers or policies, contact our advisors for help.

Speak to an Expert
Age
Occupation
Health
Lifestyle
Policy Type
Level of Cover

What can affect the price?

There are several factors that can affect the cost of your premium. This includes, the type of policy, your age, your job, your current and past health, your lifestyle and the level of cover you need.

If you’re worried about the cost of critical illness cover, try a quote from us, we tailor to your individual circumstances whilst getting you the best deal.

Am I eligible for critical illness cover?

We can source critical illness cover for anyone. If sometimes providers will exclude any claim arising from that prior health issue. In order to be eligible, you have to be a UK resident and some providers impose a maximum age limit.

To find out if you’re eligible, please speak to one of our friendly advisors who can help you through the process.
Speak to an Expert

We've helped hundreds of people just like you

  • Effortless
    We used Property Link Homes whilst buying our first house for our mortgage, building and life insurance purchases. We couldn't thank or recommend them enough for all the work they did for us and how effortless the processes that they were involved in went.
    Beyond helpful
    We couldn't thanks Alison enough for her help and advice on getting our mortgage which turned out to be quite difficult and stressful. Alison was beyond helpful during a stressful time. Many thanks Jo
    Faultless
    I used Property Link Homes for my mortgage whilst buying my first home. As a first time buyer their service was faultless, they reassured me every step of the way and made the whole experience pleasurable rather than stressful.
    Easy & Smooth
    I recently completed on my re mortgage which was sourced for me by Property Link Homes. The team were all great in particular Alison, Jen & Vicky. Thank you so much for making the process very easy & smooth especially when I’ve been busy with my newborn baby.
  • Effortless
    We used Property Link Homes whilst buying our first house for our mortgage, building and life insurance purchases. We couldn't thank or recommend them enough for all the work they did for us and how effortless the processes that they were involved in went.
    Beyond helpful
    We couldn't thanks Alison enough for her help and advice on getting our mortgage which turned out to be quite difficult and stressful. Alison was beyond helpful during a stressful time. Many thanks Jo
    Faultless
    I used Property Link Homes for my mortgage whilst buying my first home. As a first time buyer their service was faultless, they reassured me every step of the way and made the whole experience pleasurable rather than stressful.
    Easy & Smooth
    I recently completed on my re mortgage which was sourced for me by Property Link Homes. The team were all great in particular Alison, Jen & Vicky. Thank you so much for making the process very easy & smooth especially when I’ve been busy with my newborn baby.
  • Effortless
    We used Property Link Homes whilst buying our first house for our mortgage, building and life insurance purchases. We couldn't thank or recommend them enough for all the work they did for us and how effortless the processes that they were involved in went.
  • Beyond helpful
    We couldn't thanks Alison enough for her help and advice on getting our mortgage which turned out to be quite difficult and stressful. Alison was beyond helpful during a stressful time. Many thanks Jo
  • Faultless
    I used Property Link Homes for my mortgage whilst buying my first home. As a first time buyer their service was faultless, they reassured me every step of the way and made the whole experience pleasurable rather than stressful.
  • Easy & Smooth
    I recently completed on my re mortgage which was sourced for me by Property Link Homes. The team were all great in particular Alison, Jen & Vicky. Thank you so much for making the process very easy & smooth especially when I’ve been busy with my newborn baby.

Frequently Asked Questions

Many people buy a combined life and critical illness policy, and it often makes sense to do so. In this case, a payment would be made on either diagnosis of a critical illness, or death, whichever is the sooner. If the cover is combined in this way, the policy premium is usually cheaper than it would be for separate policies, as there is only ever one lump sum paid out by the insurance company.
This is based on your individual circumstances and financial situation. Remember to take into account how much debt you have outstanding, how much may be left on your mortgage and the level of income you provide to your household, as well as any dependents you may have. If you need any help, talk to one of our advisors.
In order to get an accurate quote, you will be asked to answer questions about your current health and past medical history. This determines the premium you are offered.
No, once your claim has been paid out under your policy, your policy will end unless your policy has a ‘buy-back’ option.
Some insurers will automatically include cover for your children, but for a partner or family policies, you will be charged an additional cost.

Just some of our lenders

Expert Advice

Established for 30 years, we are backed by the experience and understanding that helps our clients to make an informed decision on a range of great deals.

Lifestyle Protection

We want to help protect you and your loved ones should the unexpected happen. Our range of insurance options can give you peace of mind and financial safety, with broker exclusives not available through comparison sites or the high street if you buy through us.

Friendly Support

All our clients will have our team of dedicated advisors to help them through every step of the way, from the mortgage application to getting the keys to your new home. We want you to enjoy the excitement of moving and aim to make your experience as stress-free as possible.

Why choose Property Link Homes?

We know buying a house can feel overwhelming, but with our friendly and approachable advisors, we provide a stress-free process from start to finish, specifically tailored to your requirements.
With our wide range of personal and professional services, combined with our support and expert knowledge, we can help you find the mortgage deal or protection cover that is right for you.
Speak to an Expert

Latest news

Join our newsletter

Contact Us
Client Portal
Menu

Property Link Homes Ltd is Registered in England & Wales, Company Number 05234968. Registered Office address: 10-10A North Street, Ripon, North Yorkshire, HG4 1JY.

Authorised and regulated by the Financial Conduct Authority. Property Link Homes Ltd is entered on the Financial Services Register https://register.fca.org.uk under reference 429765.

The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.

If you wish to register a complaint, please write to [email protected] or telephone 01765 360061 A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at https://www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.

Copyright Property Link Homes 2023   |   All Rights Reserved

Property Link Homes
10-10A North Street
Ripon
North Yorkshire
HG4 1JY
(Above Joplings)
01765 692 331
[email protected]
menuchevron-down linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram