Critical Illness Cover


What is Critical Illness Cover?

Critical Illness Cover is designed to help protect against the financial impact a critical illness could have on you and your family.

How does Critical Illness Cover work?

Our Critical Illness Cover can be added to Life Insurance or Decreasing Life Insurance for an extra cost. It could pay out a cash sum if you’re diagnosed with, or undergo a medical procedure for one of the specified critical illnesses we cover during the length of your policy and usually if you survive for 14 days from diagnosis.

  • The cash sum could be used to help with child care costs, household bills or to help maintain your standard of living if you have to take time off work to recover
  • Children critical illness cover may be included or added as an extra depends on provider

Who needs Critical Illness Cover?

Critical illness affects many people, at any age, and can turn families’ lives upside down. So anyone may have a need for Critical Illness Cover depending on their individual circumstances. For example, if you have a family, a partner or spouse who depend on your income in case you need to take time off work to recover or pay towards a mortgage on the family home etc.


Contact us for more details.

Hypo Financial is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products.

What else do we cover?


Purchasing your dream home is one of the biggest financial commitments you will make in your life which is exciting but can be fraught with stress and worry. Protection can help pay off the mortgage and keep up with the bills that don’t stop.

Help to buy

Help to Buy equity loans are only available in England, although similar schemes have been made available by the Scottish Government, the Welsh Government and the Northern Ireland Housing Executive.

General insurance

Provide yourself with peace of mind that your home will be fully covered if you suffer loss from fire, theft or burglary. There are many add-ons you can have such as accidental damage and personal possession cover.

Expert protection advisers

You can speak directly to our qualified protection adviser who has a wealth of experience. Our advisers are fully trained, specialised and work with a range of clients.

We will search the market to ensure that your individual needs are met and we are more than happy to arrange face-to-face meetings. Our advisers can also handle protection applications over the telephone.