Cancer & Hospital Cover
One plan. Three layers of protection. Hospital cash, accident benefits, and life cover after 12 months. Including for cancer.
Mon-Fri, 9am-6pm · No fees · FCA regulated · FRN 1047044
In short: guaranteed acceptance, no medical questions, day-one accident cover, a free 24/7 GP, no upfront payment, cancel anytime.
What This Plan Covers
Real, practical financial protection. Paid as cash to your account when life takes an unexpected turn.
Hospital Cash
£50–£250 for every 24 hours you spend in hospital. Paid as cash, no receipts required.
Accident & Injury
Lump-sum benefits for a wide range of accidents and injuries. Covered from day one.
Major Broken Bones
£1,000–£5,000 lump sum for major fractures (arm, leg, hip, pelvis, skull and more). Covered from day one.
Total Permanent Disablement
Up to £250,000 if you're left totally and permanently disabled following an accident. From day one.
Accidental Death
Up to £200,000 accidental death cover, in place from the day your policy starts.
Life Cover After 12 Months
Up to £10,000 paid to your family if you die from illness. Including cancer. The amount depends on the level of cover you choose, and grows the longer you hold the plan, after the 12-month qualifying period.
The 12-Month Qualifying Period, Explained
We believe in straight talk. Here's exactly when each part of your cover kicks in.
Covered from day one
- Hospital stays following an accident or injury
- Accident & injury lump-sum benefits
- Up to £200,000 accidental death cover
After 12 months of premiums
- Hospital stays for medical conditions, including cancer
- Life cover up to £10,000 for death from illness. Grows the longer you hold the plan
- Funds your family typically use towards funeral costs
In plain English: take this cover today and you're protected immediately for accidents. Keep paying for 12 months and the medical and life-cover benefits switch on too.
Who This Cover Is Designed For
Declined elsewhere
You've been turned down or quoted impossible premiums by mainstream insurers because of cancer or another health condition.
Families during treatment
You want hospital cash to cover the hidden costs of treatment. Parking, travel, time off work for a loved one.
A guaranteed safety net
You want one plan that combines accident protection, hospital support, and a payout for your family. No medicals, no questions.
Benefit 1
Hospital Cash in Detail
For every 24 hours you spend in hospital, you receive a fixed cash payment direct to your bank account. No vouchers, no receipts, no questions about how you spend it.
- Choose £50, £100, £150, £200 or £250 per 24 hours
- Unlimited claims. No annual or lifetime cap
- Every overnight hospital stay qualifies
- Paid directly into your bank account
£50–£250
Per 24 hours in hospital
Unlimited
Number of claims
All stays
Once 12-month period passes
Benefit 2
Accident & Injury Benefits
Accidents don't wait for qualifying periods. Neither does this cover. Every accident benefit is in place from day one.
- Lump-sum payments for a wide range of accidental injuries
- Hospital stays following an accident covered immediately
- Up to £200,000 accidental death benefit, in place from day one
- Up to £250,000 Total Permanent Disablement (following an accident)
- Major Broken Bones cover up to £5,000 per claim
Major bones covered:
Arm, ankle, back, hip, mandible (jaw), leg, neck, pelvis, shoulder, wrist and skull.
We'll walk you through the full schedule of accident benefits and lump-sum amounts when you speak to one of our advisers.
Up to £10,000
on Level 5
Life cover for death from illness. Lower amounts on Levels 1–4. Grows the longer you hold the plan, after 12 months.
Average UK funeral cost: £4,500–£10,000+
Benefit 3
Life Cover & Funeral Support
After 12 months of premiums, your plan pays out a lump sum to your loved ones if you die from an illness. Including cancer. The maximum is up to £10,000, depending on the level of cover you choose, and the payout grows the longer you hold the plan.
Most families use this lump sum to help with funeral costs and the immediate bills that arrive at the worst possible moment. It isn't designed to replace decades of income. It's designed to take the financial pressure off when grief hits.
Get a QuoteChoose Your Level of Cover
Five fixed levels. Pick the one that fits your budget. Every level includes the full range of benefits, just at different sums.
| Benefit | Level 1 | Level 2 | Level 3 | Level 4 | Level 5 |
|---|---|---|---|---|---|
| Monthly premium | £10 | £20 | £30 | £40 | £50 |
| Hospital cash (per 24 hrs) | £50 | £100 | £150 | £200 | £250 |
| Accidental death | £40,000 | £80,000 | £120,000 | £160,000 | £200,000 |
| Illness death. Max payout (after 12 mths) | Up to £2,000 | Up to £4,000 | Up to £6,000 | Up to £8,000 | Up to £10,000 |
| Total Permanent Disablement | £50,000 | £100,000 | £150,000 | £200,000 | £250,000 |
| Major Broken Bones | £1,000 | £2,000 | £3,000 | £4,000 | £5,000 |
Level 1
£10/mo
- Hospital cash / 24hrs£50
- Accidental death£40,000
- Illness death£2,000
- TPD (accident)£50,000
- Broken bones£1,000
Level 2
£20/mo
- Hospital cash / 24hrs£100
- Accidental death£80,000
- Illness death£4,000
- TPD (accident)£100,000
- Broken bones£2,000
Level 3
£30/mo
- Hospital cash / 24hrs£150
- Accidental death£120,000
- Illness death£6,000
- TPD (accident)£150,000
- Broken bones£3,000
Level 4
£40/mo
- Hospital cash / 24hrs£200
- Accidental death£160,000
- Illness death£8,000
- TPD (accident)£200,000
- Broken bones£4,000
Level 5
£50/mo
- Hospital cash / 24hrs£250
- Accidental death£200,000
- Illness death£10,000
- TPD (accident)£250,000
- Broken bones£5,000
Premiums are fixed. They don't increase as you get older. The 12-month qualifying period applies to illness-related hospital stays and the illness-death payout. Accident benefits are in place from day one.
The illness-death payout builds over the life of the plan, up to the maximum shown for your chosen level.
Included at no extra cost
Free 24/7 Private GP Service
Can't get a GP appointment? Speak to a private UK doctor online or by phone. Any time, day or night, anywhere in the world. Included free with every level of cover, for you and your eligible family members.
- Available 24 hours, 7 days a week
- No appointment needed
- Private prescriptions where appropriate
- Phone or online consultations
How to take out cover
No upfront payment. No pressure. Here's exactly what happens after you call.
- 01
Call us
A quick chat with our team. Takes a couple of minutes.
- 02
Pick your level
Choose £10–£50/month based on the cover you want.
- 03
Info pack by email
Full plan details sent straight to your inbox.
- 04
Friendly adviser call
A no-pressure chat to answer any questions. If you're happy, we set it up.
- 05
You're covered
Monthly direct debit. First payment typically 2–4 weeks later. Documents posted to your home to keep.
No upfront payment. Just a monthly direct debit. First payment typically 2–4 weeks later. Policy documents posted to your home to keep.
The easiest cover you'll ever set up
No tricks. No traps. Protect your family today.
No payments taken upfront
Your first direct debit comes out 2 to 4 weeks after you set the plan up. Nothing leaves your account today.
Super easy to set up
One short call. No medicals. No awkward forms. Most people are covered the same week they enquire.
Cancel anytime
No exit fees. No lock-in. No small print traps. If it's not right for you, walk away.
Protect yourself. Provide for your family. Support people with cancer. All from one simple monthly direct debit.
Frequently Asked Questions
Why More Than Cancer?
We're Luke, Sam and Andy. We specialise in helping cancer patients and people declined elsewhere find protection that actually works for them. We work for you, not the insurers.
UK's Cancer Insurance Specialists
We focus on people who've been told 'no' by mainstream insurers.
FCA Regulated
Authorised and regulated by the Financial Conduct Authority (FRN 1047044).
No Fees to You
Insurers pay us, not you. Our advice and service is completely free.
Regulatory Information
Hospital stays and life cover for illness-related claims start after 12 months. Accident benefits apply from day one.
Available to UK residents aged 18–64. Cover reduces by 50% at age 70 and terminates at your 75th birthday.
Hospital stays must be at least 24 hours for benefit to be payable. Pregnancy-related stays require 5 consecutive days.
FSCS Protected: The plan is provided by an insurer covered by the Financial Services Compensation Scheme, providing protection if they cannot meet their financial obligations.
Not the right fit?
We have three routes to cover. If this one isn't for you, one of these two probably is.
Protection When You Need It Most
One plan, three layers of protection, guaranteed acceptance. Speak to one of our specialists today. There's no pressure and no obligation.