What is Serious Illness Cover?
Serious Illness Cover ensures you and your loved ones are protected if you fall ill, paying out a lump sum which can be used to cover expenses and monthly outgoings while you take the time you need to recover.
Our Serious Illness plan covers 178 conditions which is more than any critical illness cover on the market1.
Do I need Serious Illness Cover?
Critical illness can severely impact the way you live your life, especially when you have to consider supporting your family while you are recovering.. A life insurance plan can help give you peace of mind that you and your loved ones will be protected.
How does Serious Illness Insurance work?Unlike typical critical illness cover, we pay out for the less severe conditions as well as the more critical ones. So if you become seriously 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.
What illnesses are covered by our Serious Illness Cover?You can choose between Comprehensive Serious Illness Cover that covers you for 178 conditions or Primary Serious Illness Cover which covers you for 145 conditions. The typical critical illness policy only covers you for around 77 conditions1.
Have a look at the comprehensive list of conditions we cover including heart attacks, strokes and diabetes.
How are we different?
Our comprehensive Serious Illness Cover offers you far more cover than a typical critical illness cover.
- You’re up to three times more likely to get a payout with us4
- 116% more likely to get a payout for cancer with us4
- 34% more likely to get a payout for a heart attack with us4
- 25% more likely to get a payout for a stroke with us4
- We cover nearly two times as many conditions1
- We cover all heart attacks and strokes5
- We cover more cancers than any other insurer5
- 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
Why choose us?
Benefit from award-winning Serious Illness Cover which rewards you for being healthy
A brand you can trust
In 2017 we paid out 99% of life insurance claims7
Discounts and rewards
Save up to £2,961 with our extensive range of reward partners8
Free, no-obligation advice
Our advisers are highly trained and offer free, expert advice
Improve your health
Reduced risk of becoming seriously ill in actively involved members9
Dementia and FrailCare Cover
Dementia and FrailCare Cover provide protection for conditions relevant to ageing, including dementia, Alzheimer's, stroke and frailty. It starts when your Serious Illness Cover term ends and is available with Vitality Optimiser or Wellness Optimiser at no initial additional cost, you just continue to pay your premium when Dementia and FrailCare Cover begins.
Dementia and FrailCare Cover is capped at £100,000 and applies to a minimum Serious Illness Cover term of 10 years and a maximum age of 60 at entry.
Serious Illness Cover Booster
You’ll also receive cover for early stages and less severe illnesses as we recognise that these can still have a deep impact on your life.
Frequently asked questions
Am I covered for heart attacks or stroke?
Am I more likely to get a payout with Serious Illness Cover than Critical Illness Cover?
Can I add children to my Serious Illness Cover?
How do severity-based payments work?
Important information1 The average number of conditions that typical critical illness policies cover is 48. Source: Defaqto, 2017
2 Cancer Research UK, 2015
3 Heart UK, 2016
4 Hannover Re UK Life Branch February 2017
5 Defaqto verified Competitor Comparisons, Sep 2018
6 Defaqto verified, April 2018
7 The percentage of claims accepted for life and terminal illness cover in 2017 was 99% and the total amount paid was £21.4 million
8 If your premium is over £30 per month, you get to Platinum Vitality status and use all of our discounts and rewards
9 We found that our members on Silver status or higher were 54% less likely to suffer a serious illness compared to those on Bronze status (Vitality 2017 – Serious Illness Cover and Income Protection plans).