Serious illness cover
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What is serious illness cover?
If you're diagnosed with a serious illness we cover, serious illness cover pays out a lump sum. The payout is tax-free and can cover your expenses while you take time to recover.
How does serious illness cover work?
Our cover pays out based on the impact that the condition has on your lifestyle. This means you could receive a payout at an earlier stage of your illness, even if it’s not life threatening. We’ll pay out 100%, 75%, 50%, 25%, 15%, 10% or 5% of your cover depending on the severity of your condition.
Should your condition get worse, or you suffer with another condition, you can claim again. You can keep doing this until you’ve used up your whole cover amount.

What conditions are covered?
✓ All heart attacks
✓ All strokes
✓ More cancers than any other provider1
✓ Chronic Obstructive Pulmonary Disease
✓ Liver disease
✓ Dementia
✓ Coronary artery by-pass surgery
✓ Kidney failure
✓ Major organ transplant
✓ Multiple sclerosis.

Do I need serious illness cover?
- You and your family rely on your income
- You're a single income household, or are the main breadwinner
- Government benefits wouldn't cover your outgoings, or you're not eligible.
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How is Vitality's cover different to critical illness cover?
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More conditions covered
It covers all strokes, all heart attacks, and more cancers than any other insurer1.
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More likely to get a payout
You’re more likely to get a payout than any other insurer1.
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Discounts and rewards
Get discounts on Vitality partners and be rewarded for healthy living.
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You're covered for later life
We’ll cover you in later life for conditions like Dementia and Alzheimer's.
All it takes is a couple of minutes.
Get a quoteCall us on 01619742513 to speak to an adviser.
Call me backSerious illness cover and critical illness cover FAQs
1This comparison is based the differences between serious illness cover and other covers. These are interpreted by VitalityLife and Defaqto at 11/11/2019.
The comparison excludes any special offers or promotions. This cover comparison information is for personal use and is guidance only. It isn't a contractual representation, warranty or obligation about the: Completeness; Accuracy; Reliability; Suitability; Or availability of the comparison.
Neither party accept any liability for: Errors; Omissions; Direct or consequential loss in relation to this comparison.
2 Defaqto, based on top 5 providers by new business, Q2 2019.
3 Heart Disease and Stroke Statistics, 2017 Update: A Report from the American Heart Association.
4 State of the Nation Stroke statistics, February 2018.
5 Cancer Research UK, 2017.
6 Macmillan Cancer Support Research.