Can we get joint critical illness cover?

My husband and I have just purchased our first home together and we are looking for critical illness protection. Is it possible to get joint cover and would it be more cost effective than two separate policies?

Question asked by Olivia Butler
Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Level of Cover
Date of Birth

Answered by Victoria Slade

Joint critical illness cover explained

Yes, you can get joint critical illness cover which will insure two ‘lives’ under the same plan. However, this will only pay out once (i.e. if one of the lives claims on the plan for the full sum assured, the policy would then cease).

Also consider separate plans..

You may want to consider getting two separate policies which means there are two potential payments – as if one claims, the other plan would remain and thus the other person is still covered.

The cost difference between two single plans and a joint one is often negligible (generally less than 10%) – so it’s certainly worth assessing your options and getting some relevant advice to ensure you’re covering yourself in the most comprehensive way.

Need any help?

If you would like to discuss this further or if you have an further

critical illness insurance
 
joint critical illness cover
 
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
 - 
Need help? 
Call us on 

Frequently Asked Critical Illness Insurance Questions

 
My husband and I have just purchased our first home together and we are looking for critical illness...
 
I’m looking at taking out critical illness cover and wanted to double check that i could be covered...
 
I’ve recently been ill and it’s made me wonder if i should take out an insurance to pay off...
 
I’ve recently got my first mortgage and have been advised to get critical illness cover by a friend,...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Edward Brampton
13/01/2018

They were patient thorrgh and good value for money. I regret not using them before and I will use them again in the future.

Fiona Katumwa
11/01/2018

Very excellent service and informative. All options were offered and I had to make my own decision at the end. Would recommend.

Graham Mccollum
14/01/2018

Very efficient and well instructed service with polite staff, I felt Drewberry really did do their utmost to find the best deal for me personally.

We are rated 4.9/5 based on 1320 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1398 Reviews
A
Overall Rating
Very supportive and helped to choose effective product.
S Cutter
Overall Rating
Very professional and easy to deal with. Jake treated me like a human being and made me feel like a valued customer.
P
Overall Rating
Applied for an income protection plan and owing to medical condition had to make a few changes and Victoria from drewberry was really helpful
P Monaghan
Overall Rating
Courteous, prompt and clear service
D Lewis
Overall Rating
I was having trouble finding a suitable income protection policy online and was unclear about what I should be looking for, so I contacted Drewberry. The process was very quick and straightforward. They called me and explained how this type of insurance works, and then went through series of questions about my circumstances to try and find the right cover for me. They came back to me the next day with several suitable options and emailed all the relevant information clearly laid out. Michael Barrow, the advisor I spoke to, was happy to explain things in detail and answer any questions I had. I would definitely recommend Drewberry as they took all the hassle out of a confusing search.