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 Comprehensive Serious Illness plan covers 182 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 are we different?
Our comprehensive Serious Illness Cover offers you far more cover than a typical critical illness cover.
✓ We cover 182 conditions on our Comprehensive Serious Illness Cover and 153 on Primary Serious Illness Cover. That's more conditions than any other provider1
✓ We cover all heart attacks, all strokes and more cancers than any other insurer1
✓ 7% of Serious Illness Cover claims paid in 2018 were for conditions unique to Vitality
✓ We pay out 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
Over £20 million paid in Serious Illness Cover claims in 20184
Discounts and rewards
Over £81 million given in Vitality benefits and rewards in 20185
Free, no-obligation advice
Our advisers are highly trained and offer free, expert advice
Improve your health
Lower incidence of Life Cover claims in actively engaged members6
Later Life Options
Cover under Later Life Options begin when your Serious Illness Cover term ends and is available with Vitality Optimiser or Wellness Optimiser.
Maximum amount available at the start of your Serious Illness Cover plan is £100,000 for Dementia and FrailCare Cover and £200,000 for Dementia and FrailCare Cover Plus. Subject to a minimum Serious Illness Cover term of 10 years and a maximum age of 60 at entry. This is not a long term care product.
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 information1Defaqto verified Competitor Comparisons, Nov 2019
2Cancer Research UK, 2019
3Heart UK, 2019
4The percentage of claims accepted for Serious Illness Cover in 2018 was 91.2% and the total amount paid was £20,393,940
5With VitalityLife's Optimisers which are available at an additional monthly cost of £1.75 for Lite or £4.50 for Full. Source: Vitality internal data, May 2019.
6According to Vitality internal data (2018), over the past five years members who engaged in the Vitality Healthy Living Programme had a significantly lower incidence of Life Cover claims across all age groups when compared to those who did not engage.