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Co-op Critical Illness Insurance

Critical illness insurance provides financial support if you’re diagnosed with a specified critical illness during the term of the policy.


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Co-op, one of the UK’s largest mutual businesses, offers an inclusive Critical Illness Cover. This guide will help you understand Co-op’s Critical Illness Insurance, outlining the policy, its benefits, and the claim process.

What is Covered?

Co-op’s Critical Illness Insurance offers a lump sum payment if you’re diagnosed with a critical illness covered by the policy during its term. The illnesses generally covered include:

  • Certain types and stages of cancer

  • Heart attack

  • Stroke

  • Major organ transplant

  • Kidney failure

  • Alzheimer’s disease

It’s important to refer to your policy documents for a complete list of covered illnesses, as not all types and stages of these conditions may be covered.

Benefits of Co-op’s Critical Illness Insurance

  • Lump sum payment: A tax-free lump sum payment is provided upon diagnosis of a covered critical illness.

  • Children’s cover: Co-op’s policy automatically includes coverage for your children at no extra cost.

  • Additional support services: You’ll have access to expert medical and emotional support services.

  • Flexible policy terms: You can choose the length of your policy based on your needs.

  • Clarity: Co-op’s policies are designed to be straightforward, with clear terms and conditions.

How to Apply for Coverage

To apply for Co-op’s Critical Illness Insurance, follow these steps:

  1. Get a quote: Begin by obtaining a quote online or over the phone. You’ll need to provide personal information, including your age, lifestyle habits, and medical history.

  2. Choose your cover: Decide the amount of cover you need and the length of the cover. The cost of your premium will depend on these factors, as well as your personal circumstances.

  3. Complete the application: Fill in the application form. It’s crucial to be honest and accurate in your responses as incorrect information could affect a future claim.

  4. Review and pay: Review your quote, confirm your details, and pay for your policy.

How to Make a Claim

If you need to make a claim, contact Co-op’s claim team as soon as possible. You will need to provide:

  • Your policy number

  • Details about your diagnosis

  • Information from your doctor or specialist

Once your claim is submitted, Co-op will review the information provided and keep you updated on its progress. If your claim is approved, the lump sum payment will be made to you or your estate if you pass away.


Before purchasing Critical Illness Insurance, consider your personal circumstances, financial situation, and health. Consult with your financial advisor to determine if this type of cover is suitable for you. Remember, the policy will not provide cover for all illnesses and will not pay out upon death unless it is due to a covered critical illness within the policy term.


Co-op’s Critical Illness Insurance can provide essential financial support if you are diagnosed with a covered critical illness. It’s important to understand the policy’s coverage, benefits, and terms before purchasing. Always refer to your policy documentation for the full details of what is and isn’t covered.


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