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Financial support when life takes an unexpected turn.

A serious illness can affect more than your health, it can impact your finances too. Critical Illness Cover provides a tax-free lump sum to help you focus on your recovery, rather than worrying about money.

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What is Critical Illness Cover?

Critical Illness Cover pays a tax-free lump sum if you’re diagnosed with one of the specified serious illnesses covered by your policy.

The money can be used however you choose, whether that’s paying your mortgage, replacing lost income, funding medical treatment or adapting your home.

Because policies differ between insurers, we’ll help you understand what’s covered and recommend the right option for your circumstances.

Critical Illness Cover is essential if...

You have financial commitments

Mortgage payments and household bills don't stop if you're seriously ill.

You have people who depend on you

A lump sum can help protect your family's finances while you recover.

You don't have significant savings

Critical Illness Cover can provide financial breathing space when you need it most.

You want more than Life Insurance

Life Insurance protects your family if you die. Critical Illness Cover helps protect you while you're still here.

Why choose NHMB for your protection?

Protection is personal, which is why our advice is too. We take the time to understand your circumstances, recommend cover that's right for you and support you long after your policy is in place. With experienced advisers, access to a wide range of insurers and appointments available seven days a week, we're here to help you protect what matters most.

Whole of Market Advice

We work with a wide range of leading UK insurers, allowing us to compare policies and recommend cover that offers the right balance of protection and value.

One Dedicated Adviser

You'll have one experienced adviser guiding you through the process, answering your questions and helping you make informed decisions without pressure.

Available Seven Days a Week

We understand life is busy, so we offer flexible appointments that fit around your schedule.

Protection Specialists

Specialist advice tailored to your circumstances, helping you protect yourself, your family and your future.

Common Questions About Critical Illness Cover

  • What illnesses are covered?

  • Can I have Critical Illness Cover without Life Insurance?

  • Will it pay out more than once?

  • Is it worth having critical illness cover?

You may also want to consider...

Life Cover

Providing you a lump sum if you pass away! Learn more →

Income Protection

Replacing your income if your unable to work due to illness or injury! Learn more →

Ready to protect yourself?

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