Why Engineers Need Critical Illness Cover
A serious diagnosis does not just affect your health – it can stop you working for months or years, create significant additional expenses, and reshape your entire financial situation. Critical illness cover provides a lump sum payment to help you manage these costs.
Engineers – civil, mechanical, electrical, or software – are all standard risk for critical illness cover. Premiums are the same as for any other professional role.
Contractor Engineers
Contract engineers typically have no sick pay at all. CIC provides a vital lump sum to cover commitments during a period of illness or recovery. Pair with income protection for engineers for full coverage.
What Conditions Are Covered?
Most UK CIC policies cover 40–57+ conditions including:
- Cancer (most types)
- Heart attack and heart surgery
- Stroke
- Multiple sclerosis
- Major organ failure and transplant
- Motor neurone disease, Parkinson’s, dementia
How to Use the Lump Sum
- Clear or reduce your mortgage
- Cover private treatment costs
- Fund home adaptations
- Replace lost income during recovery
- Pay for specialist care or rehabilitation
CIC vs Income Protection
CIC pays a one-off lump sum on diagnosis. Income protection pays a monthly income for as long as you cannot work. Many people benefit from having both.
Frequently Asked Questions
Yes. Available from all major providers at standard rates.
35-year-old non-smoker: ~£25–50/month for £100k cover. Varies by provider.
Yes, standard rates. The lump sum is especially valuable with no sick pay.