Focus on recovery not
money worries.
A serious diagnosis can impact your life in every way — but financial pressure doesn’t need to be one of them. With the right protection in place, you gain space, stability, and security.
What You’re Protected Against
Pays a lump sum if you’re diagnosed with a serious medical condition like cancer, heart attack, stroke or multiple sclerosis.
Why Critical Illness Cover Matters
- Funds time off work
- Covers medical or household costs
- Helps adapt your home if needed
- Gives financial space during a health crisis
What’s Included
- Over 40+ defined serious illnesses
Coverage typically includes cancers, strokes, heart attacks, multiple sclerosis and many other life-altering conditions. - Children’s critical illness (optional)
Additional child cover available with many policies. - Full lump-sum payout on diagnosis
Paid directly to you to use however you need. - Combination with life cover
Option to bundle policies for a complete protection plan. - Flexible policy lengths
Keep it active for your mortgage term or beyond — your choice.
For insurance business we offer products from a range of insurers.
Why Choose Areti
Clear guidance. Reliable cover. Real support.
We analyse your lifestyle, commitments and financial priorities to recommend the right level of cover — with no jargon and no guesswork. Our advisers stay by your side before, during and (if needed) after a claim.
Frequently asked questions
What should I consider critical illness cover?
A serious illness can affect more than your health — it can impact your income and everyday finances. This cover provides financial breathing space when you need it most.
What does critical illness cover help with?
The payout can be used however you need, including mortgage payments, household bills, treatment costs, or time off work.
What illnesses are covered?
Policies cover a defined list of serious conditions, such as certain cancers, heart attack, stroke and multiple sclerosis. Cover varies by provider, and we’ll explain exactly what is — and isn’t — included.
Will my premium change over time?
It doesn’t have to. We typically recommend policies with guaranteed premiums, meaning the cost is set when you take the policy out and won’t increase over time. This gives you certainty and helps keep your protection affordable long term.
What affects the cost of a policy?
The cost is influenced by things like your age, health, lifestyle, occupation, the type and level of cover you choose, and how long it runs for.
How much cover do I need?
This depends on your mortgage, outgoings, but, most importantly, your budget.
Can I get cover if I have pre-existing medical conditions?
Yes, in many cases you can. Insurers will usually take your medical history into account and may apply specific terms, exclusions, or pricing.
