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Critical illness insurance UK provides a one-off tax-free lump sum if you're diagnosed with a serious medical condition covered by your policy. It’s designed to ease the financial pressure during difficult times, helping you cover living costs, medical bills, mortgage payments, or adapt your home to meet new health needs.

Common conditions covered include cancer, heart attacks, strokes, and other major illnesses. Some policies also include additional cover for permanent disabilities or specific illnesses in children. Every insurer has their own list of covered conditions, so it's important to read the terms carefully.