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
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 0208 432 7333
Our in-house Experts are here to provide FREE impartial advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at

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

 
I have been a smoker since my late teens, I have now just turned 30 and am getting my first mortgage....
 
I’m looking at taking out critical illness cover and wanted to double check that i could be covered...
 
We’ve just had our first child and i’m looking at taking out critical illness cover in case...
 
I’m going to get critical illness cover but one thing that I would like more information on Total...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Andrew Giles
10/04/2018

From start to finish a very professional and courteous outfit. A very efficient company with a no nonsense approach. Would recommend.

Mark Burbidge
13/04/2018

First class service from start to finish. Sam Carr was very helpful in setting up my new insurance policies. He kept me up to date throughout the process and provided full explanation and advice on the products and was always available to help.

Doug Muirhead
10/04/2018

Excellent personal service from Matthew Giles, made sure we received a tailor made quote that ideally suited our requirements as a family.

We are rated 4.9/5 based on 1512 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1548 Reviews
R Steer
Overall Rating
Josh, Nick & Sam helped me set up PHI & Life insurance when I set up my own company. The application process wasn't straight forward due to my medical history, but the team made everything as simple as possible.
C Ash
Overall Rating
I have not started my health cover yet, bus so far the introduction has been very efficient and speedy.
G White
Overall Rating
Clear and concise information
D Muirhead
Overall Rating
Excellent personal service from Matthew Giles, made sure we received a tailor made quote that ideally suited our requirements as a family
S Walker
Overall Rating
Great service, independent advice, not pushy and very consultative. I would have no hesitation in recommending.