How Do Cancer, Heart Attack, and Stroke Relate to Critical Illness Cover? The Big Three

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.

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