How Much Does Critical Illness Cover Cost?

Critical illness cover costs depend on age, health, smoking status, cover amount, and policy term. A healthy 35-year-old non-smoker might pay £30-50/month for £100,000 cover. Smokers pay 50-100% more. Adding CI to life insurance is typically 40-60% cheaper than standalone cover. Get personalised quotes for accurate pricing.

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How much does critical illness cover cost?

Costs vary widely. A healthy 35-year-old non-smoker might pay £30-50/month for £100,000 cover. Adding CI to life insurance is cheaper than standalone. Get personalised quotes for accurate pricing.

What information do I need for a quote?

You'll need: date of birth, smoker status, cover amount required, policy term, and general health information. Full medical history is needed at application stage.

How can I get cheaper critical illness cover?

Choose decreasing cover (if suitable), opt for a shorter term, combine with life insurance, stop smoking, and compare multiple providers. Don't just choose the cheapest - check claim rates too.

Are online critical illness quotes accurate?

Initial quotes are indicative. Final price depends on full medical underwriting. Some conditions may increase premiums or lead to exclusions. Speak to an adviser for accurate quotes.

Quick Answer

How Do I Get a Critical Illness Quote?

Last reviewed: December 2025

Reviewed by Jay Sabine – CeMAP Qualified – 29 years experience

Get quotes online or through an adviser. You'll need age, smoker status, cover amount, and term length. Compare 3-5 providers. Expect £30-50/month for £100k cover (age 35, non-smoker).

Getting a critical illness quote is straightforward. You'll provide basic details and receive indicative pricing. Final quotes depend on medical underwriting. Factors affecting your premium include age, health, smoking, cover amount, term, and whether you choose standalone or combined cover.

Key Points

1Age is the biggest factor - younger is cheaper
2Smokers pay 50-100% more
3Combined with life insurance = better value
4Decreasing cover cheaper than level
5Compare multiple providers
6Check claim rates, not just price

Eligibility Criteria

UK resident aged 18-65 typically
Health declaration required
Some conditions may affect pricing
Smoking includes vaping/nicotine

Typical Timeframe

Online quotes take minutes. Full application with underwriting takes 1-4 weeks depending on medical history.

Next Steps

1Calculate cover amount needed
2Gather basic personal information
3Get quotes from 3-5 providers
4Compare cover, not just price
5Speak to an adviser for best rates

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How Do I Get a Critical Illness Quote?

Key Points

Eligibility Criteria

Typical Timeframe

Next Steps

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