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
1VitalityLife conditions comparison tool, independently verified by Defaqto, February 2021
2Defaqto, 2021. Based on the top 5 insurers using ABI sales data.
3Heart Disease and Stroke Statistics, 2017 Update: A Report from the American Heart Association.
4State of the Nation Stroke statistics, February 2018.
5Cancer Research UK, 2017.
6Macmillan Cancer Support Research, June 2017