Cancer, heart attack, and stroke - known as the “big three” - account for about 80% of UK critical illness claims, with cancer nearing 70% Drewberry, 2024. Spirit Cover includes these conditions, but payouts depend on meeting precise medical definitions, not just a diagnosis.
Why They Dominate
- Cancer: Over 3 million UK cases, with 50% surviving 10+ years Reassured, 2025. Only severe or malignant types typically qualify.
- Heart Attack: Over 100,000 yearly hospital admissions Reassured, 2025. Requires evidence like myocardial infarction.
- Stroke: 100,000+ cases annually Reassured, 2025. Must show permanent effects or specific severity.
Spirit’s Coverage
Spirit Cover lists these among 30-50 conditions, with trust options (potentially tax-free HMRC, 2023) and benefits like Fracture Cover included as standard. Less severe cases (e.g., early cancer) may not qualify - verification by a UK specialist is required.
Claims Insight
In 2023, 91.3% of claims were paid ABI, 2023 - rejections often stem from severity or exclusions. Spirit’s advisers ensure you understand what triggers a payout.
Get the Facts
These are key, but specifics matter. Ask your Spirit adviser to detail our definitions - know what’s covered.