Five-star rated Serious Illness Cover
Critical illness can strike at any time. 1 in 2 people in the UK will develop some form of cancer during their lives1, every 7 minutes someone will have a heart attack and every 12 minutes someone will have a stroke2.
WHAT IT DOES
Our Serious Illness Cover helps protect you financially if you fall ill with one of the 174 conditions we cover. We’ll pay you out a cash lump sum based on the severity of your condition – meaning that you can focus all your energies on making a full recovery.
HOW IT WORKS
Unlike typical critical illness cover, we pay out for the less severe conditions as well as the more critical ones. So if you get ill and need to claim, we’ll give you a percentage of your cover depending on how severe your condition is. This means that if a condition gets caught early on, we’ll pay you out a portion to alleviate the stress, but you’ll also have the rest of your cover should you need to claim again and again.
Compared to a typical Critical Illness Policy
You're up to 3 times more likely to get a payout with us**
116% more likely to get a payout for cancer with us
34% more likely to get a payout for heart attack with us
25% more likely to get a payout for a stroke with us
We cover nearly 4 times as many conditions
We cover all heart attacks and strokes
We cover more cancers than any other insurer
We payout based on how severe your condition is
We cover the earlier stages of certain conditions
You can claim more than once if you have cover left
We provide more protection against cancer recurrence
Explore our Serious Illness Cover
How do severity-based payments work?
Can I add children to my Serious Illness Cover?
What illnesses are covered?
Am I covered for heart attacks or stroke?
Up to 40% off life insurance
Our 5-star award-winning protection just got cheaper!
Get a discount of up to 40% off your monthly premiums when you take out a life insurance policy with Wellness Optimiser.
Our personal protection options
We offer a range of award-winning insurance plans that protect you and your future. To find out more about our different life insurance products, choose the option that best suits your needs.
Pays a cash lump sum if you die.
Serious Illness Cover
Pays a lump sum if you're diagnosed with one of the conditions we cover.
Income Protection Insurance
Pays you a monthly income if you get sick or injured and can't work.
Mortgage Protection Insurance
Helps you to pay your mortgage if you get ill and can't work.
All it takes is a couple of minutes.Get a quote
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2"Cancer's Hidden Price Tag”, Macmillan Cancer Support 2014
* The average number of conditions that typical critical illness policies cover is 48. Source: Defaqto, 2017
** Source: Hannover Re UK Life Branch August 2013