Critical Five Plan

This plan will provide protection for you and your family from the financial impacts of critical illness.


  • A lump-sum benefit if you suffer cancer, heart attack, stroke, coronary artery by-pass grafts or kidney failure


  • You choose the level of cover you need – the amount of the lump- sum we pay out after a valid claim
  • After the lump-sum is paid, your policy ends and you pay no more premiums
  • You may be covered by this plan if you are between 16 and 64 years of age at the date of application
  • Whilst you keep your policy in force with Combined Insurance, you receive access to the services of Best Doctors© - a leading medical advisory service


Each year over 130,000 people in England and Wales have a stroke. About 10,000 of these are under retirement age.

  • Lump-sum benefit of up to £45,000 on surviving diagnosis or surgery for a covered critical illness
  • Double lump-sum benefit for cancer of up to £90,000
  • Children can also be covered free of charge as long as the policy is in force and Combined Insurance will pay 50% of the adult benefit

Ways we protect you

  1. Benefits paid directly to you:  Benefits will be yours to spend as you choose.  You could replace lost earnings, pay for medical expenses or even take a holiday to help get better – it’s up to you.
  2. Peace of mind: You are protected 24 hours a day, every day of the year, on and off the job

Please read the product summary for policy terms and exclusions.

To learn more about Combined Insurance’s Critical Five Plan:

Download Product Brochure

Statistical Sources

1. The Stroke Association 2011

Critical 5 Plan

Click here to download one of our product brochures

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