Critical Illness Cover Belfast
Last Updated: 9th October 2025
At AIMS NI, we provide independent advice on critical illness cover to help you find the protection that fits your lifestyle, your mortgage, and your family’s future.
None of us like to imagine falling seriously ill, but having the right protection in place means you and your loved ones can stay financially secure if the unexpected happens.
Our experienced, whole-of-market advisors work with leading UK insurers to help you choose the right level of cover — giving you peace of mind that, should you face a serious illness, your finances won’t add to the stress.
What Is Critical Illness Cover?
This type of insurance (sometimes called critical illness insurance) pays out a tax-free lump sum if you’re diagnosed with one of a list of serious illnesses covered by your plan.
This money can help you:
- Pay your mortgage or household bills
- Fund private medical treatment or care
- Replace lost income while you recover
- Support your family through a difficult time
Common conditions covered include cancer, heart attack, stroke, multiple sclerosis, and many other life-changing illnesses. Unlike life insurance, this type of cover pays out while you’re alive, allowing you to focus on recovery instead of financial pressure.
How Does Critical Illness Cover Work?
This type of protection can be taken out as a standalone policy or combined with life insurance for broader cover.
If you’re diagnosed with a covered condition, your insurer pays out a one-off lump sum. You can then decide how best to use that money — whether it’s paying off your mortgage, covering treatment costs, or supporting your loved ones.
Your monthly premium depends on:
- Your age and health history
- The amount of cover you choose
- Whether you add life insurance or children’s cover
- Lifestyle factors (such as smoking or occupation)
At AIMS NI, we’ll guide you through all your options and explain everything in plain English — so you fully understand what you’re protected against.
Why Is Critical Illness Cover Important?
A serious illness can affect not just your health, but your income, home, and family stability. This cover gives you a financial safety net when you need it most.
Here’s why many people choose to add it to their protection plan:
- Protect your mortgage repayments if you can’t work.
- Replace lost income during long-term recovery.
- Provide for your family in a time of uncertainty.
- Cover medical treatment or rehabilitation costs.
- Peace of mind knowing you’re financially supported.
Without this cover, many households would struggle to meet monthly bills or mortgage payments if illness prevented them from working.
What Does Critical Illness Cover Include?
Policies vary by provider, but most cover between 30 and 60 major conditions. Common examples include:
- Cancer (most types)
- Heart attack
- Stroke
- Multiple sclerosis (MS)
- Kidney failure
- Major organ transplant
- Coronary artery bypass surgery
- Loss of limb or sight
Many insurers also offer:
- Children’s critical illness cover – paying out if your child is diagnosed with a covered condition.
- Partial payments for less severe illnesses.
- Combined life and critical illness cover for comprehensive protection.
AIMS NI will compare the details of each policy to make sure you get the cover that’s right for you and your family.
Why Choose AIMS NI for Advice?
Choosing the right protection policy can be confusing — but with AIMS NI, it doesn’t have to be.
Here’s why families and homeowners across Northern Ireland trust us:
- Independent & Whole-of-Market Advice: We compare policies from leading UK insurers.
- FCA-Regulated & Experienced: You’re in safe, professional hands.
- Personal Service: We take time to understand your circumstances and budget.
- Comprehensive Solutions: We can combine life cover, income protection, and mortgage protection.
- Local Experts: Advisors available across Belfast and throughout Northern Ireland.
We believe in clear, honest advice — no jargon, no pressure, just protection that gives you peace of mind.
Get Independent Advice on Critical Illness Cover
Protect your home, your income, and your loved ones from life’s uncertainties.
At AIMS NI, we offer independent, whole-of-market advice to help you find affordable protection tailored to your circumstances.
Call us today for a free, no-obligation consultation with one of our expert advisors — and take the first step toward securing peace of mind for you and your family.
Critical Illness Cover FAQs
Most policies cover serious conditions such as cancer, heart attack, stroke, and multiple sclerosis. Each insurer has its own specific list, which we’ll help you compare.
Yes — if illness stops you from working, this cover can help you pay your mortgage and bills, ensuring financial stability for you and your family.
The cost depends on factors like age, health, lifestyle, and the level of cover. We’ll find options that fit your budget.
Yes. Some insurers offer policies for people with pre-existing conditions, though exclusions or premium adjustments may apply.
Life insurance pays out if you pass away during the policy term, while critical illness cover pays out if you’re diagnosed with a specified serious illness.
It pays a lump sum upon diagnosis of a covered illness. For income replacement if you’re unable to work, we can also discuss income protection insurance.
Disclaimer
IF THE POLICY HAS NO INVESTMENT ELEMENT THEN IT WILL HAVE NO CASH-IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
CRITICAL ILLNESS PLANS MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. THE DEFINITIONS VARY BETWEEN PRODUCT PROVIDERS AND WILL BE DESCRIBED IN THE KEY FEATURES AND POLICY DOCUMENT IF YOU GO AHEAD WITH A PLAN.
