Critical Illness

What is critical illness cover?

Critical illness insurance is a policy that provides a cash payment if the person insured or a named person is diagnosed with an illness covered by the policy. It can be arranged to pay out in instalments or a single lump sum.

Critical illness insurance ensures that if the insured party does suffer such a specified illness, they and their family will receive funds which could be used to repay an outstanding mortgage, for example. It could also be used to keep up with their mortgage repayments, pay household bills, or even go towards private treatment.

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Why do I need critical illness cover?

Like other insurance products, critical illness insurance is designed to provide security for your loved ones and can ensure they aren’t burdened financially if you begin suffering from a serious illness. As the payment can also go towards your own medical treatment, you may be able to make things more comfortable for yourself.

Taking out serious illness cover is an essential part of long-term financial planning, especially if you have ongoing commitments, such as a mortgage. What’s more, if you’re applying for a mortgage, many providers require this type of insurance. We can help you to apply for both at the same time.

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How The Mortgage Genie can help

The compassionate team at The Mortgage Genie work with some of the UK’s top insurance providers to ensure that each and every one of our clients has access to some of the best cover on the market.

We will take into account your current circumstances to match you with the perfect product from our carefully selected panel of providers. We’ll take care of everything to ensure that you can rest easy in the knowledge that you and your family have adequate critical illness cover in place.

If you’re looking for other ways that you can protect you and your family’s financial future, you should take a look at our mortgage protection insurance, life insurance, income protection insurance, and home insurance.

Company Information

The Mortgage Genie Limited is Registered in England and Wales with Company Number 9803176. The Mortgage Genie Limited is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority. Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.


Depending on the complexity of your mortgage there may be a fee for our mortgage advice and arrangement service, which will be discussed and agreed before you make a mortgage application. A typical fee is £293 and will never be more than 1% of the mortgage amount.