Critical Illness Cover Claim Payout Rates by Insurer

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What is Critical Illness Insurance and When Does it Pay Out?

Critical Illness Insurance pays out a lump sum to the policyholder should they suffer any of the illnesses listed in their policy, as long as the illness occurs during the term of the policy.

The average Critical Illness Insurance policy covers around 40 critical illnesses, but the number of conditions covered varies between providers from 10 to more than 100.

When does it payout?

The vast majority of claims are for cancers, heart attacks and strokes, although other commonly-covered serious illnesses include:

  • Multiple sclerosis
  • Parkinson’s disease
  • Kidney failure
  • Motor neurone disease
  • Permanent loss of vision / hearing.

Overall Protection Payout Rates Across All Insurers

Each year the Association of British Insurers (ABI) publishes average pay out rate statistics from across all insurers. The latest figures are from 2017 and show that 92.2% of all critical illness cover claims were paid, with over £1 billion getting paid out in total.

The claims statistics for Critical Illness Cover laid out below cover the insurers we most commonly work with and the percentage of claims they’ve paid out over the last 3 years.

Life and Critical Illness Insurance are often packaged together, but the below claims statistics cover standalone Critical Illness Insurance only.

Percentage of Critical Illness Claims Paid Out by Insurers

The table below shows what proportion of critical illness insurance claims were paid by each insurer (that published their payout rates).

Legal & General
Vitality Life
Royal London
Liverpool Victoria

Important Disclaimer

The above Critical Insurance payout statistics shouldn’t be used to make an exact comparison of insurers but rather to get a general understanding of payout rates across insurers as a whole.

For instance, insurers use slightly different criteria for categorising declined claims. Some insurers might treat a fraudulent claim as declined, whereas others could have a different way of classing them.

Victoria Slade Independent Protection Expert at Drewberry

Given this, the above table isn’t a simple measure of the best companies for Critical Illness Insurance – one insurer might have better policy wording or could be more suited to you.

We have sophisticated tools in-house to compare all the insurers illness definitions against your specific demographics to find you the most appropriate cover.

Victoria Slade
Independent Protection Expert at Drewberry

Need Advice on Choosing the Best Critical Illness Insurance?

When you take out Critical Illness Insurance, it’s obviously hugely important for you to be able to compare insurers and be sure that the provider will pay out in the event of a genuine claim.

However, you’ve also got to consider how to find the best Critical Illness Insurance for you given your personal circumstances, such as your health and lifestyle.

Why Speak to Us…

We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to let us help.

  • There is no fee for our service
  • We are independent and impartial
    Drewberry isn’t tied to any insurance company, so we can provide completely impartial advice to make sure you get the most appropriate policy based solely on your needs.
  • We’ve got bargaining power on our side
    This allows us to negotiate better premiums for you than you going direct yourself.
  • You’ll speak to a dedicated expert from start to finish
    You will speak to a named expert with a direct telephone and email. No more automated machines and no more being sent from pillar to post – you’ll have someone to speak to who knows you.
  • Benefit from our 5-star service
    We pride ourselves on providing a 5-star service, as can be seen from our 2906 and growing independent client reviews rating us at 4.92 / 5.
  • Gain the protection of regulated advice
    You are protected. Where we provide a regulated advice service we are responsible for the policy we set-up for you. Doing it yourself or going direct to an insurer won’t provide this protection, so you won’t benefit from these securities.
  • Claims support when you need it the most
    You have support should you need to make a claim. The most important thing when it comes to insurance is that claims are paid and quickly. We are here to support you during the claims process and make sure it’s as smooth and stress free as possible.

If it is all getting a little confusing and you want to talk through your options to make sure you find the most suitable cover please don’t hesitate to get in touch.

Pop us a call on 02084327333 or email

Samantha Haffenden-Angear
Independent Protection Expert

I had a great experience with Drewberry, they have a lot of knowledge and expertise with life insurance and income protection and were able to advise me and arrange suitable products. Highly recommend.

Lachlan Mellings
12/08/2020 Logo
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Drewberry Ltd registered office: Telecom House, Preston Road, Brighton, England, BN1 6AF. Telephone 0208 432 7333

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