Many UK insurers allow critical illness cover to be added to a life insurance policy, either as an option during the quote process or as a separate policy. It may pay a lump sum if you are diagnosed with one of the specified conditions and meet the policy’s definitions, but cover varies significantly between providers. Adding it will usually affect the premium, which is based on factors such as your age, health, lifestyle and chosen cover. Check exclusions and medical definitions carefully, and consider comparing quotes through an FCA-authorised provider or broker.