Why do Locum Workers need critical illness cover?
As a locum worker, you have no employer sick pay to fall back on. Critical illness cover is a crucial financial safety net if a serious diagnosis prevents you from taking on assignments.
What does critical illness cover pay out for?
Most UK policies cover 30–50 serious conditions, including cancer, heart attack, stroke, multiple sclerosis, and organ failure. The payout is a tax-free lump sum you can use any way you choose — to clear debt, fund treatment, or replace lost income.
How much critical illness cover do Locum Workers need?
A good starting point is 3–5 times your annual salary, or enough to clear your mortgage plus 12 months of living costs. Locum workers with dependants should consider higher cover levels.
How much does critical illness cover cost for Locum Workers?
Premiums depend on your age, health, smoking status, and the level of cover you choose. A healthy 35-year-old locum can typically get £100,000 of cover for £25–£50 per month. Use our comparison tool to get personalised quotes.
Can Locum Workers get critical illness cover with pre-existing conditions?
Yes, but some conditions may be excluded or attract a higher premium. Insurers will ask about your medical history during the application. It's important to answer honestly — non-disclosure can void a claim.
Level vs decreasing critical illness cover
Level cover stays the same throughout the policy term. Decreasing cover reduces over time (often used alongside a repayment mortgage). For income replacement, level cover is usually better.
Should I combine critical illness cover with life insurance?
Many Locum Workers choose a combined life and critical illness policy for simplicity and cost. However, a standalone critical illness policy gives you more flexibility and is easier to adjust as your circumstances change.
Next steps
Use our free comparison tool to get quotes from leading UK insurers including Aviva, Legal & General, Royal London, Vitality, and Zurich.
Frequently Asked Questions
Not necessarily. Critical illness premiums are based primarily on age, health, and smoking status. Locum workers are assessed on the same basis as employed professionals — occupation risk is standard.
Most people choose a policy that lasts until their mortgage is paid off or until retirement age — typically 20–30 years.
Standard policies pay out once and then end. Some insurers offer multi-claim policies at a higher premium.
Yes. Payouts from personal critical illness policies are completely tax-free in the UK.