What is critical illness cover 

Critical illness cover pays out a cash lump sum if you are diagnosed with an illness covered by your policy before it ends. The money could help you and your loved ones meet day-to-day costs and let you focus on your own health and wellbeing.

To learn about critical illness cover and find out if it's right for you, check out the critical illness cover basics. Or we can help you get to grips with how critical illness cover works. If you'd like more info before you make a choice, go ahead and compare critical illness policies.

Video about critical illness cover

Introducing Body Cover 

Body Cover is a critical illness cover policy. It’s arranged by our partners, Scottish Widows. 

Scottish Widows are part of Lloyds Banking Group, like us. They’re life insurance experts, and they’ve been protecting what matters most for over 200 years.

Scottish Widows protection products have no cash-in value at any time. So if the policy ends without a claim, you won't get any money back. If you don't make payments on time, your cover will stop, your policy will end and you'll get nothing back.

Why choose Scottish Widows?

Cover you can rely on, arranged by Scottish Widows. Here are a few reasons why they could be the right choice to protect you and your loved ones:


Scottish Widows paid out 98% of claims in 2020. That’s £206m in total.


Terms and conditions that are clear and easy to understand. That's why they’re accredited by Fairer Finance.


Scottish Widows has been protecting customers for over 200 years. So you’re in safe hands.

Scottish Widows works closely with partners like Macmillan. They help make sure our customers get the right help, at the right time. 

So if you're diagnosed with a critical illness and need to make a claim, they can put you in touch with one of our partners, if that would be helpful. They can provide a bit of extra support, when you need it most.

Critical illness cover policy documents

Find out how critical illness cover can help you and your loved ones. These documents tell you how these policies work and what they cover.

Critical illness cover guide

Get a quick summary of all the info on this site, free for you to take away.

Critical illness cover policy summary

Find out more about what this policy covers and how it works.

Critical illness policy terms and conditions

Check the T&Cs to make sure this is the right cover for you.

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Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.