Critical Illness Cover Calculator

Estimate how much critical illness cover you need to replace your income during recovery, clear your mortgage, and cover private care costs.

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Critical illness cover pays a tax-free lump sum on diagnosis of a specified condition (cancer, heart attack, stroke, and others listed in the policy). UK SSP is £116.75/week (2025); many employers top this up for 3-6 months. NHS covers treatment but not income loss or private care upgrades. Premiums depend heavily on age, smoker status, and medical history. Get a personalised quote from a qualified IFA or protection broker.