Critical illness cover basics
Want to get to grips with critical illness cover? You're in the right place. Find cover that's right for you and your loved ones with our critical illness cover guides.
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.
How critical illness cover can help
It's important to check that your policy is right for you. Make sure that you and your loved ones will get the support you need in case the unexpected happens.
With critical illness cover you can:
- Get a cash lump sum if you are diagnosed with an illness listed in your policy before it ends
- Choose the amount and duration that are right for you
- Cancel at any time, free of charge.
With critical illness cover you can’t:
- Get any money back unless you make a claim
- Change your policy after it has started
- Keep your cover if you miss your monthly payments.
How do I make a critical illness cover claim?
We want to make sure it’s as easy as possible to make a claim. Just get in touch with Scottish Widows and they'll help you through the rest.
There are 3 simple steps to make a claim with Scottish Widows:
Download our critical illness cover guides
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.