Why do tree surgeons and arborists need critical illness cover?
Tree surgeons face physical risks every working day — but critical illness cover protects against the risks that don't come from the job itself. Cancer, heart attack, and stroke affect tree surgeons just as they do any other person. A tax-free lump sum gives you the financial freedom to take time off and recover fully.
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 — use it to clear debt, fund treatment, or replace lost income.
How much CIC do tree surgeons and arborists need?
A good starting point is 3–5 times your annual salary, or enough to clear your mortgage plus 12 months of living costs. Tree surgeons may attract a small occupational loading with some CIC providers. Most major insurers will still offer competitive cover.
How much does CIC cost for tree surgeons and arborists?
A healthy 35-year-old tree surgeon can typically get £100,000 of cover for £25–£50 per month. Use our comparison tool to get personalised quotes.
Frequently Asked Questions
Not necessarily — CIC premiums are based primarily on age, health, and smoking status. Tree surgeons may attract a small occupational loading with some CIC providers. Most major insurers will still offer competitive cover.
Yes — payouts from personal critical illness policies are completely tax-free in the UK.
Many people choose a combined policy for simplicity. However, standalone CIC gives more flexibility to adjust each policy independently.