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 are we different?
Our comprehensive Serious Illness Cover offers you far more cover than a typical critical illness cover.
- We cover 178 conditions on our Comprehensive Serious Illness Cover and 145 on Primary Serious Illness Cover
- That’s more conditions than any other provider1
- 7% of Serious Illness Cover claims paid in 2018 were for conditions unique to Vitality
- 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
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 involved members6
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 information1Defaqto verified Competitor Comparisons, Sep 2018
2Cancer Research UK, 2015
3Heart UK, 2016
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.