Critical Illness Calculator

Our critical illness calculator estimates the right level of CI cover. The tax-free lump sum can clear your mortgage, fund private treatment, or replace income during recovery.

Enter the lump sum benefit amount you want — typically enough to repay the mortgage, replace income during recovery, and cover adaptations if needed. Critical illness insurance pays a tax-free lump sum on diagnosis of a specified condition such as cancer, heart attack, or stroke. Policies vary significantly in which conditions they cover and how seriously affected you must be — always read the policy definition of each condition before purchase rather than relying on the headline number of conditions covered. Age, smoking status, and pre-existing conditions drive the premium. Consider combining critical illness with life insurance, which most providers offer at a combined discount. As with all protection insurance, buy from an FCA-authorised provider and disclose all relevant health information accurately.