Why do people with heart conditions need critical illness cover?
Living with a heart condition can create financial uncertainty. Critical illness cover pays a tax-free lump sum on diagnosis of covered conditions, helping you manage your mortgage and living costs.
What conditions are covered?
Most UK policies cover 30–50 conditions including cancer, heart attack, stroke, multiple sclerosis, organ failure, and Parkinson's disease. The payout is a tax-free lump sum — use it however you choose.
How much does CIC cost for people with heart conditions?
Those with managed heart conditions can often get critical illness cover, though premiums may be higher or some conditions excluded. An independent broker can search across the whole market. A healthy 35-year-old non-smoker can typically get £100,000 of cover for £25–£50/month.
Frequently Asked Questions
Yes — most UK insurers offer critical illness cover to people with heart conditions. Those with managed heart conditions can often get critical illness cover, though premiums may be higher or some conditions excluded. An independent broker can search across the whole market.
Yes — payouts from personal critical illness policies are completely tax-free in the UK.