Critical illness cover pays out for specific illnesses listed in your policy - typically 30 to 50 conditions in the UK, including cancer, heart attack, and stroke. These “big three” drove 80% of claims in 2023 Drewberry, 2024. Spirit covers 150 conditions! Cases meeting strict criteria qualify - always check your policy.
Typical Covered Conditions
- Cancer: Often malignant types (e.g., leukaemia) - 50% of UK patients survive 10+ years Reassured, 2025 - early stages may not count.
- Heart Attack: Requires specific severity - over 100,000 yearly UK cases Reassured, 2025.
- Stroke: Must meet medical thresholds - 100,000+ annually Reassured, 2025.
- Others: Conditions like multiple sclerosis or organ failure may be included, depending on the policy.
Spirit’s Coverage
Spirit Cover includes 30-50 conditions, consistent with industry standards (e.g., Aviva’s 52 Aviva, 2022). Features like Fracture Cover are standard, but payouts require UK specialist verification and adherence to policy definitions.
What’s Not Covered
- Less severe or early-stage illnesses (e.g., non-invasive cancer).
- Pre-existing conditions, if undisclosed - claims may be denied.
- Illnesses not listed - no exceptions apply.
Stay Informed
Conditions vary by provider - Spirit’s advisers can explain our list and exclusions, so you know exactly what’s included.