Making a critical illness claim
When making a claim you may be asked for:
- The policyholder's name
- The policy number
- Some basic details about the policyholder’s condition
If you're making a claim relating to a
terminal illness, please
switch to a life insurance claim.
Who you contact to make a claim will depend on when the the policy was taken out. You'll find this
information on the policy document.
Policies taken out after 22 July 2019
Monday to Thursday 8:30am-8pm
Policies taken out between 1
January 2013 and 20 July 2019
Monday to Friday 9am-5:30pm
0800 068 0789
Policies taken out before 6 July 2011
Monday to Friday 9am-5pm
0345 3000 144
Extra support for AIG Life Insurance policyholders
Get a second medical opinion
Best Doctors' world-renowned medical experts can provide the policyholder or immediate family with a second medical opinion, including a diagnosis and recommendations for treatment. This service is available at any time during the policy.
Money while you wait for a claim
If we agree that you may have a valid claim, up to £300 of additional funding can be made available to support the person insured or their family.
Frequently asked questions
q1What is critical illness cover?
Critical illness cover is designed to pay out if you’re diagnosed with a specific illness which could have a severe impact on your life. Direct Line’s critical illness cover, provided by AIG is called Critical 3 and can be added for an extra cost when buying Life Insurance. Critical 3 gives you an extra level of cover for specific types of cancer, heart attack and stroke. Please refer to the policy documents for more information.
q2Can I have several life insurance policies at the same time?
Yes, you can have more than one life insurance policy, and they don’t need to all be with the same provider. When you apply for a new life insurance policy, you may be asked whether you already have life insurance, as certain restrictions may apply.
q3How much life insurance should I get?
You can choose how much life insurance you buy, subject to terms and conditions. You might want your policy to pay out the value of your mortgage, a specific lump sum for your dependants or provide enough to cover both. To help you get an idea of how much insurance you might need, take a look at our cover calculator.
q4How long should my life insurance be for?
You can choose your policy length, subject to that set out in the Key Facts document. You may wish to consider when you plan to retire, the length of any financial commitments like your mortgage, and the age of any dependents you may have. These are factors that may indicate how many years you'd like the policy to run.
q5Who receives the life insurance payout under this policy?
This will depend on how you set up the policy. In the event of your death, the payment will normally go to:
Your spouse/partner if you have a joint policy with them.
Your estate, unless the policy is in a trust or is owned by someone else.
A trust, if that’s what you’ve specified. Trustees will distribute the money in accordance with your wishes.
In the event of a terminal illness or critical illness claim the money usually goes to the person covered.