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Serious Illness Cover

Ease the financial pressure of serious illness

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Five-star rated Serious Illness Cover

Serious illness can strike at any time – one in three people in the UK will develop some form of cancer during their lives1. At an average cost of £570 a month, it’s no surprise one in five have problems paying their bills.2

WHAT IT IS AND HOW IT COMPARES TO CRITICAL ILLNESS COVER
Compared to the typical critical illness policy, our plans cover you for nearly four times as many conditions. You’re also two and a half times more likely to get a payout**. So in the event you ever fall ill, you can focus all your energies on making a full recovery.

HOW IT HELPS
Being diagnosed with a serious illness can cause a lot of anxiety – even if it’s at an early stage or of a less severe form. You may have to take time off work for treatment, which can cause stress and financial worries.

Defaqto 5 star Critical Illness Cover award
* The average number of conditions that typical critical illness policies cover is 42. Source: Defaqto, May 2014
** Source: Hannover Re UK Life Branch August 2013 
1 Cancer Research UK, Sept 2014
2"Cancer's Hidden Price Tag”, Macmillan Cancer Support 2014
* The average number of conditions that typical critical illness policies cover is 42. Source: Defaqto, May 2014
** Source: Hannover Re UK Life Branch August 2013 
1 Cancer Research UK, Sept 2014
2"Cancer's Hidden Price Tag”, Macmillan Cancer Support 2014

Serious Illness Cover features

  • Covers all heart attacks and strokes

    we cover all types of both conditions, because we offer severity-based payments. So as soon as we get the diagnosis from your physician, we pay out.

  • Covers you for 174 conditions

    under our Comprehensive Serious Illness Cover, including under our Comprehensive Serious Illness Cover, including more cancers than any other insurer. That’s nearly four times more conditions than any other insurer’s typical critical illness policy*.

  • Offers severity-based payments

    because some conditions are less debilitating than others. For example, if you lost sight in one eye, you may still need to take time off work. Our payments start from 15% of your cover amount, while with a traditional critical illness policy you would not receive a payout.

  • You can claim more than once

    If we pay out part of your cover amount, we keep covering you for the remaining amount. So if your condition gets worse, or you’re later diagnosed with a more severe condition, you can claim again, until you use up your whole cover amount.

  • Unique family-friendly benefits

    such as Complications of Pregnancy, a range of Congenital Conditions and a £5,000 Child Funeral Contribution.

  • 5-star Defaqto rated

    Our Serious Illness Cover has been awarded Defaqto’s top rating every year since it was launched in 2007.

* The average number of conditions that typical critical illness policies cover is 42. Source: Defaqto, May 2014
** Source: Hannover Re UK Life Branch August 2013 
1 Cancer Research UK, Sept 2014
"Cancer's Hidden Price Tag”, Macmillan Cancer Support 2014

Why our Serious Illness Cover is better

Our plans cover you for so much more than typical critical illness cover.
Learn more

Serious Illness Booster

Boost your cover beyond 100%. 
Explore Serious Illness Booster

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Serious Illness Cover frequently asked questions

Your questions answered.

What illnesses are covered?

If you choose Comprehensive Serious Illness Cover you’re covered for 174 conditions. With our Primary Serious Illness Cover, you’re covered for 114 conditions. The typical critical illness policy only covers you for around 42 conditions1. Have a look at all the conditions we cover.

Source: 1Hannover Re UK Life Branch February 2016

What’s the difference between life insurance and Serious Illness Cover?

Life insurance pays a lump sum to your loved ones if you die or are diagnosed with a terminal illness. With Serious Illness Cover, if you’re diagnosed with an illness we cover, the payment goes to you to help support you through your recovery period.

Can I tailor my Serious Illness Cover?

Once you choose between Primary or Comprehensive Serious Illness Cover, you can add extra options like the Serious Illness Booster or a range of cover options.

Am I covered for heart attacks or stroke?

We define medical conditions in the same way as the medical profession. So, if your consultant or doctor diagnoses that you’ve had a heart attack or stroke, we pay out. The amount we pay depends on the severity of your condition, which means we can cover all types of heart attack and strokes. 

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