Critical Illness Insurance

Critical illness cover will pay a regular income or lump sum upon diagnosis of a (specified) critical illness.

Critical illness insurance provides peace of mind by helping to ensure that if the worst happens you don’t need to worry about paying bills, getting back to work, or meeting costs incurred due to illness. In some cases people will use their lump sum to pay for better treatment to help them recover.

The list below shows some of the common illnesses that are covered on a critical illness policy;

  • Aplastic anaemia
  • Bacterial Meningitis
  • Benign brain tumour
  • Blindness
  • Cancer
  • Creutzfeldt-Jakob disease
  • Coma
  • Coronary artery by-pass surgery
  • Deafness
  • Dementia
  • Heart attack
  • Heart valve replacement or repair
  • HIV/AIDS from occupation or accident
  • HIV or AIDS from assault
  • Kidney failure
  • Loss of independent existence
  • Loss of limbs
  • Loss of speech
  • Major organ transplant
  • Motor Neurone disease
  • Multiple Sclerosis
  • Paralysis/Paraplegia
  • Parkinson’s disease
  • Stroke
  • Third degree burns
  • Total permanent disability to age 65 – Own occupation or work tasks

Providers will specify conditions that are covered by their company.

Critical illness cover will pay a lump sum of cash upon diagnosis. Alternatively it will pay a regular income enabling you to take time off work to recover or pay for better treatment.


We’re not tied to just one provider which means we can source competitive deals from a comprehensive panel of providers that work for you. We work with some of the biggest providers in the UK.

Get Advice

Contact our team now for protection advice, for which we do not charge a broker fee. We have many clients in Halifax, Huddersfield, Bradford, Leeds, Keighley, Pontefract, Doncaster, Sheffield and Hull. We can arrange a face to face meeting or telephone appointment.

    What our customers say...

    “I’m self employed and didn’t have any accident cover. So when I broke my wrist playing cricket three years ago I was without any source of income for a few weeks. This left me in a difficult financial situation, one that I didn’t want to find myself in again. Bespoke Financial were recommended to me by a personal friend, so I gave them a call. The very charming and friendly. Oliver came to see me and my partner, he talked us through all the insurance options available. He explained everything very clearly and didn’t try to sell us anything we didn’t need. I now have no worries about how the bills will get paid if anything unexpected should happen. We now have excellent insurance cover for me my partner, our family and our home. I cannot recommend Oliver and Bespoke highly enough.”
    Karl Whipp