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Support when you need it most, for you and your loved ones.
Critical illness cover pays out a cash lump sum if you are diagnosed with an illness covered by your policy before it ends.
It could help you and your loved ones meet day-to-day costs and let you focus on your own health and wellbeing.
You might see this referred to as Body Cover. Body Cover is the name we use for our critical illness cover policy. It’s arranged by our partners, Scottish Widows.
Critical illness cover might be right for you if:
Buy a policy online and make three monthly payments. Then you’ll be able to choose a gift card from over 140 retailers.
The value of the gift card you receive will be based on your premium amount.
See our Terms and Conditions for full details.
This video will take you through more detail on critical illness cover.
It might help to think about life’s milestones, like the number of years until:
The amount you pay each month depends on the length of your policy and the size of the cash lump sum that gets paid out when a claim is made. The price might also change based on your age, health and lifestyle.
Our life insurance is arranged by Scottish Widows. They are a part of Lloyds Banking Group, like us. Scottish Widows are our life insurance experts, and they have been protecting what matters most for over 200 years.
Scottish Widows are:
Scottish Widows protection products have no cash in value at any time. So if the policy ends without a claim, you won’t get any money back. If you don’t make payments on time, your cover will stop, your policy will end and you’ll get nothing back.
The image highlights the illnesses we cover and when you can claim. These headings are only a guide. For full details refer to the terms and conditions.
You can claim for the early help payment more than once for any other unrelated early stage cancer.
If you've got more than one Plan and Protect Policy, we'll only pay one early help payment across all of your policies.
Your full cover continues unchanged and you can go on to make a full claim for any of the illnesses we cover.
Find out how critical illness cover can help you and your loved ones. These documents tell you how these policies work and what they cover.
Find out more about what this policy covers and how it works.
Download policy summary. (PDF, 800KB) (opens in a new window.)
Check the terms and conditions to make sure this is the right cover for you.
Download terms and conditions (PDF, 870KB) (opens in a new window.)