Critical Illness Cover
Financial Support When You Need It Most
A serious illness can change everything — from your ability to work to your day-to-day living costs. Critical Illness Cover provides a lump-sum payment if you are diagnosed with one of the conditions listed in your policy.
At Blue Sky Mortgages, we offer independent, whole-of-market advice, helping you choose cover that supports you and your family during life’s most challenging moments.
Clear, tailored guidance for critical illness cover.
As independent, whole-of-market advisers, we’re not tied to any insurer or provider, meaning the critical illness guidance you receive is completely impartial and focused on what’s right for your needs and circumstances.
We compare policy options, conditions covered, premiums and key features across a wide range of insurers, explaining everything clearly so you understand how each plan works and what support it could provide if you were diagnosed with a serious illness.
Our aim is to make choosing critical illness cover simple, transparent and fully tailored, giving you clarity, reassurance and confidence in the protection you put in place.
Independent protection advice
Whole-of-market access
No complicated jargon
Friendly, efficient advisers
In person, online or phone
Why Critical Illness Cover Matters
What Is Critical Illness Cover?
Critical Illness Cover pays out a tax-free lump sum if you’re diagnosed with a specified serious illness. This money can help ease financial pressure at a time when you need to focus on your health and recovery, not your finances.
Common uses for the payout include:
- Covering household bills and everyday expenses
- Paying off or reducing your mortgage
- Funding private medical treatment
- Supporting time off work or lifestyle changes
- Providing extra support for your family
We explain everything clearly so you understand exactly what is covered and how each policy works.
Critical Illness Cover offers financial support during serious illness, helping you manage major costs, reduce pressure and maintain stability at home.
Policies usually cover a wide range of serious illnesses, including cancer, heart disease and neurological conditions, helping protect your finances during recovery.
What Conditions Are Typically Covered?
Every insurer has their own list, but policies commonly include:
Common uses for the payout include:
- Cancer (of specified types and severity)
- Heart attack
- Stroke
- Multiple sclerosis
- Parkinson’s disease
- Major organ transplant
- Loss of limbs
- Dementia
- Motor neurone disease
- …and many more depending on the insurer.
We compare policies from a wide range of providers to help you find the most comprehensive cover for your needs.
Whole-of-market access to an extensive range of insurance products.
FAQ
Your Critical Illness Cover Questions Answered
Critical Illness Cover is an insurance policy that pays out a tax-free lump sum if you’re diagnosed with a serious medical condition listed in your policy, such as cancer, a heart attack or a stroke.
If you rely on your income to pay your mortgage or household bills, Critical Illness Cover can provide essential financial support during treatment or recovery. It helps reduce money worries at a difficult time.
Policies differ, but common conditions include cancer, heart attacks, strokes, organ failure, multiple sclerosis, Parkinson’s disease and major surgeries. We explain the full list for each insurer so you know exactly what is included.
This depends on your mortgage, household expenses, income and family needs. We help you calculate a suitable level of cover based on your circumstances and financial commitments.
Most standard policies pay out once and then end, but some insurers offer “multiple condition” or “tiered” cover that can pay out for different illnesses. We compare these options for you.
No. Critical Illness Cover pays out if you’re diagnosed with a serious illness, while Life Insurance pays out if you pass away. Many people combine both for broader protection.
Not always. You’ll complete a health questionnaire, and some insurers may ask for a medical report depending on your health history, age or level of cover.
You may still be eligible, but some conditions may be excluded or affect premiums. We compare insurers to help you find suitable options.
Yes. Many people combine Critical Illness Cover with mortgage protection to ensure the mortgage can still be paid if you become seriously ill.
Some policies offer optional or included children’s critical illness cover. We can explain what each insurer provides so you can decide if it’s suitable for your family.