What Critical Illness Covers
Protection against major health risks
Most policies cover around 35 specified illnesses and surgical procedures, paying a lump sum benefit when a diagnosis or procedure is confirmed.
Did you know?
On average, 270 people are admitted to hospital each day with heart attacks.
Key Rules to Understand
Important details that shape cover
Critical illness cover has strict conditions that require careful explanation to avoid any unwelcome surprises.
Did you know?
One in two people born after 1960 in the UK will be diagnosed with some form of cancer in their lifetime.
Why Fulcrum?
Clarity when comparing insurers
This is an extremely valuable benefit, but the detail matters. Fulcrum helps you to:
Did you know?
There are more than 100,000 strokes in the UK each year – that’s one every five minutes
More than 1.4 million people have survived a stroke or transient ischaemic attack (TIA)
Around one in four strokes occur in people of working age
Stroke is the single biggest cause of severe disability in the UK
Source: British Heart Foundation – September 2025
What Our Clients Say
Partnerships built on trust, results, and understanding - here's what our clients have to say.
“By identifying and recognising our specific requirements and priorities, Fulcrum has helped us to tailor our company benefits around a relatively strong local National Health Service. This has resulted in significantly reduced insurance costs without reducing the speed or quality of care. We have always found their honest and pragmatic approach to be a good fit with our own business.”
“With our previous provider, I always felt like ‘just a number’ calling them with any queries – whereas an expert outfit like Fulcrum offers personalised service. After meeting them, we discovered there is much to insurance plan design which can impact massively on premiums”.
“Your team are a credit to Fulcrum. Michelle has been excellent with progress and updates to the schemes we’ve implemented.”
“Fulcrum has helped us to protect more employees, through better plan design.”
“Fulcrum thinks in a much more creative and strategic way than the average broker, and as a result provides a much higher value of service. We have saved approximately £50k in direct costs and far more in management time, as administration is far simpler.”
“Good engineers are thin on the ground and it’s important to us to attract and retain some of the best in the industry. Feedback tells us our employees value the benefits aspect of their package, and we are keen go the extra mile with this. We have found Fulcrum’s service to be second to none, extremely knowledgeable and professional.”
“Our experience with the team at Fulcrum has been nothing short of fantastic. They are friendly, approachable and very quick to respond to any queries. They spend time to explain situations and processes, to ensure that we understand them fully which demonstrates their dedication to great customer service”.
“Fulcrum’s advice and hands on approach has enabled us to provide a competitive and comprehensive Benefits package for our Employees.”
“I was initially sceptical that Fulcrum would be able to help us with our staff benefits packages as I felt we already had good value from providers. However, their careful and methodical analysis, combined with some innovative thinking, ended up with a great result with considerable savings for us. What’s more, the savings kicked in immediately. We continue to be delighted with their service.”
“Through diligent assessment of the market and tough negotiations on our behalf Fulcrum has saved us many thousands of pounds on our staff benefits. As well as major cost savings, the team at Fulcrum are exceptional in their professionalism and customer service”.
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