Help protect your family or your mortgage

With Sainsbury's Critical Illness Cover, provided by Legal & General, you will be covered for up to 39 critical illnesses  that could affect your life and work. 

It could pay a cash lump sum if you die or are diagnosed with one of the 39 specified critical illnesses during the term of your policy, and are eligible to claim. This could help towards repaying the mortgage, paying for private medical treatment or simply maintaining your individual or family lifestyle.

Sainsbury's Critical Illness Cover is available to buy online or over the phone.

Key benefits and important information

 

• For further details and product options, please read the key features document (PDF 196KB). It contains important information you need to know before you buy a policy. You must read this.
• If you don't continue to pay the premiums until the end of the plan, it will end and you won't get anything back.
• If you don't truthfully provide all the information we request on your application or at claim, we won't pay out under the plan.
• There are some circumstances when we won't pay out. These are described in the key features document (PDF 196KB).  
• We won't pay out a claim from a cause that we exclude in your policy document.

You can download and print your key features document (PDF 196KB) with Adobe Acrobat. Get Adobe Reader.

Cover for life's uncertainties

Your life is for living, so enjoy it with added peace of mind knowing that you have cover in place with the Defaqto 5 star rated combined Life and Critical Illness Cover. Sainsbury's Critical Illness Cover is only available with a Sainsbury's Life Insurance policy. Including Critical Illness Cover can give you added protection and extra benefits:

• Cover for 39 critical illnesses - 16 more than the Association of British Insurers guidelines
• You will pay one monthly premium that will include both your life insurance and critical illness cover
• Critical illness cover for your children is included at no extra charge. All natural children, step children and legally adopted children from 30 days to 18 years are included. Of course, there are terms and conditions and you should make sure you've read them
• You'll receive an additional payment if you claim for a mastectomy. Your premiums and sum assured will not be affected. Conditions apply
• There will be no payout if you are diagnosed with an illness that is not covered. Not all forms of cancer are covered due to medical advances as they will not always have a severe impact on your lifestyle. For more information please see the Key Features Document

How it works

The length of time you choose to be insured for, is called the 'term'. For Sainsbury's Critical Illness Cover with level term insurance, you can choose between 2 and 40 years. If you choose to take it out with decreasing term insurance, the term can be between 5 and 40 years.  For both options the plan must end before your 65th birthday.

For Sainsbury's level term insurance with critical illness cover, you can choose to have either guaranteed or reviewable premiums. Guaranteed premiums stay the same unless you change your cover. Reviewable premiums are reviewed every 5 years during the term of your policy. For more information about these options please read the key features document (PDF 196KB).

For more frequently asked questions, please see our FAQ page.

Important information

Call us today on

0800 027 7166 *

quoting reference SBCICON

For full details and product options, please read the key features document. You should download this document and keep it in a safe place.

Sainsbury's Supermarket Ltd is an appointed representative of Sainsbury's Bank plc. Telephone calls may be monitored and recorded. Our lines are open 8am-8pm Monday to Friday, 9am-5pm Saturday. Calls are free from a landline only. Sainsbury's Bank plc provides information to allow you to choose our insurance and will pass your call, name or application to the appropriate partner. Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England, no. 3279730) is authorised and regulated by the Financial Services Authority (FSA). Life Insurance and Critical Illness Cover is provided by Legal & General Assurance Society Limited (registered in England, no. 166055).

Legal & General do not provide advice or personal recommendations on this product. If you are unsure of the suitability of this product for your needs, please contact your financial adviser.