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Support when you need it most, for you and your loved ones.
Critical illness cover pays out a cash lump sum if you are diagnosed with an illness covered by your policy before it ends.
It could help you and your loved ones meet day-to-day costs and let you focus on your own health and wellbeing.
You might see this referred to as Body Cover. Body Cover is the name we use for our critical illness cover policy. It’s arranged by our partners, Scottish Widows.
Critical illness cover might be right for you if:
This video will take you through more detail on critical illness cover.
It might help to think about life’s milestones, like the number of years until:
The amount you pay each month depends on the length of your policy and the size of the cash lump sum that gets paid out when a claim is made. The price might also change based on your age, health and lifestyle.
Our life insurance is arranged by Scottish Widows. They are a part of Lloyds Banking Group, like us. Scottish Widows are our life insurance experts, and they have been protecting what matters most for over 200 years.
Scottish Widows are:
The image highlights the illnesses we cover and when you can claim. These headings are only a guide. For full details refer to the terms and conditions.
You can claim for the early help payment more than once for any other unrelated early stage cancer.
If you've got more than one Plan and Protect Policy, we'll only pay one early help payment across all of your policies.
Your full cover continues unchanged and you can go on to make a full claim for any of the illnesses we cover.
Cavendish Online is here to help find the cover that is right for you.
Like us they are part of Lloyds Banking Group. They'll give you guidance on Scottish Widows life insurance and/or critical illness policies.
Trustpilot rate them as 'Excellent' 4.9/5.
They won't charge you for their guidance and you do not need to take the product as a result of speaking to them.
Call: 0800 131 0297
Lines are open Monday to Thursday 10am-7pm, Friday 10am-6pm.
Or request a call back at a time that suits you.
When you look for a policy, you might see the terms like ‘decreasing’ or 'level' cover. Let's explain what they mean.
Cover and payments stay the same
Cover reduced but payments stay the same