Health insurance company

Critical 8: Critical illness insurance plan from ESMI

  • Pays a cash lump sum if you are diagnosed with having one of the critical illnesses listed and survive for at least 28 days following initial diagnosis
  • This cash benefit is designed to help take your mind off your finances and focus on getting well again


  • 18 to 55

Maximum amount payable

  • £50,000

Period of cover

  • Minimum - 5 years
  • Maximum - 37 years
  • Cover ends - age 61

Critical illnesses covered

  • Bacterial meningitis
  • Cancer
  • Coronary artery by-pass grafts
  • Heart attack
  • Kidney dialysis
  • Major organ transplant
  • Multiple sclerosis
  • Stroke


  • Funeral expenses from any cause.
  • Children can be covered free.
  • No medicals
  • No GP reports
  • Level benefit basis

Not covered

  • Pre-existing conditions for first 24 months

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