Your Credit Score
Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.
Imagine having the peace of mind knowing that, in the event of a serious illness, you won’t have to worry about the financial burden.
Critical illness cover could pay you a cash lump sum if diagnosed with an illness covered by your policy.
This cash lump sum could hold the power to ease you and your family’s everyday expenses. Allowing you to focus all your energy on your health and wellbeing.
To apply for cover, you must:
You do not need a medical exam, and you'll get your decision the same day.
Buy a policy online and make three monthly payments. Then you’ll be able to choose a gift card from over 140 retailers.
The value of the gift card you receive will be based on your premium amount.
See our Terms and Conditions for full details.
Critical illness cover might be right for you if:
If you are too ill to work for an extended period, how much would you need to help your loved ones.
Consider the help you might need to keep up with:
The amount of cover that's right for you depends on a few factors. If you are too ill to work, what kind of support would you and your loved ones need?
Choose the amount of cover that's right for you and your loved ones.
It might help to think about life’s milestones, like the number of years until:
We can offer cover from 5 to 40 years, up to age 69.
The image highlights the illnesses we cover and when you can claim. These headings are only a guide. For full details, refer to the terms and conditions.
You can claim for the early help payment more than once for any other unrelated early stage cancer.
If you've got more than one Plan and Protect policy, we'll only pay one early help payment across all of your policies.
Your cover will continue. You can go on to make a full claim for any of the illnesses we cover.
This table shows the average prices paid by people in your age group. You can see how the monthly cost you pay could be lower the sooner you take out protection.
Average prices for Halifax Plan and Protect policies bought online between 01 May 22 and 30 April 23. Prices are based on single level critical illness cover, using critical illness sample sizes of 807 for 18-34, 860 for 35-50 and 148 for 51+. Prices may be higher or lower subject to underwriting criteria that depend on personal circumstances and are subject to change.
There are different types of critical illness cover available. We offer level critical illness cover online. Here's how it works.
Cavendish Online is here to help find the cover that is right for you.
Like us they are part of Lloyds Banking Group. They'll give you guidance on Scottish Widows life insurance and/or critical illness policies.
Trustpilot rate them as 'Excellent' 4.9/5.
They won't charge you for their guidance and you do not need to take the product as a result of speaking to them.
Call: 0800 131 0299
Lines are open Monday to Thursday 10am -7pm, Friday 10am- 6pm.
Or request a call back at a time that suits you.
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.
This kind of cover could pay out a cash lump sum if diagnosed with an illness, covered by your policy before it ends. It's designed to help you and your loved ones meet day-to-day costs. This can let you focus on your own health and wellbeing.
You’ll choose the size of the cash lump sum that will get paid out when you make a successful claim. You’ll also choose how long you want cover for.
You’ll pay a fixed amount each month by direct debit, until your policy ends. Your policy doesn’t have a cash-in value. This means that if it ends without a successful claim, then you won’t get the money back.
Scottish Widows might not be able to help if you have a pre-existing condition. But if they can't offer you a policy, they'll let you know how to get more help or advice.
We want to make sure you get the help you need.
To get advice about critical illness cover, contact Cavendish Online. They can help find cover that’s right for you and your loved ones.
Cavendish Online won't charge you for their advice, and you're under no obligation when you speak to them.
Call Cavendish Online on:
Lines are open Monday to Thursday 9am - 7pm, Friday 9am - 6pm.
Cavendish Online is a part of Lloyds Banking Group.
They'll give you advice on Scottish Widows protection products.
Life insurance costs vary according to how much cover you need, your age, and other factors such as your health history.
No. Your policy only pays out if you make a successful claim. If your policy ends without a successful claim, then your cover will end, and you won’t get any money back.
Make sure you pay each month on time, or your cover could stop.