Income Protection vs Critical Illness Cover (UK): What’s the Difference?

Income protection pays a monthly income if you can’t work due to illness or injury. Critical illness cover pays a one‑off lump sum after a qualifying diagnosis. If your main worry is being off work for months or years, income protection is usually the better fit; critical illness is often used to reduce big debts like a mortgage.

Key Points

• Income protection pays a monthly income if you can't work
• Typically covers 50-70% of your gross salary
• Payments continue until you recover, retire, or the policy ends
• Can cover almost any illness or injury that prevents work

Who Is This For?

This information is particularly relevant if you're self-employed, a contractor, or anyone without comprehensive employer sick pay. If losing your income would affect your ability to pay bills, rent, or mortgage, income protection provides a financial safety net.

Next Steps

Our FCA-regulated advisers can help you find the right income protection policy for your circumstances. We compare the whole market to find cover that fits your budget and needs.