Skip to Content

Serious Illness Cover

Covers you for nearly 4 times as many conditions as a typical critical illness policy*

Get a quote button

Five-star rated Serious Illness Cover

Critical illness can strike at any time. 1 in 2 people in the UK will develop some form of cancer during their lives1, every 7 minutes someone will have a heart attack and every 12 minutes someone will have a stroke2.


Our Serious Illness Cover helps protect you financially if you fall ill with one of the 178 conditions we cover. We’ll pay you out a cash lump sum based on the severity of your condition – meaning that you can focus all your energies on making a full recovery.


Unlike typical critical illness cover, we pay out for the less severe conditions as well as the more critical ones. So if you get 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.

Five star Defaqto rating Critical Illness Cover

Compared to a typical Critical Illness Policy

Our Serious Illness Cover protects you for far more than typical critical illness cover.
  • You're up to 3 times more likely to get a payout with us**

  • 116% more likely to get a payout for cancer with us

  • 34% more likely to get a payout for heart attack with us

  • 25% more likely to get a payout for a stroke with us

  • We cover nearly 4 times as many conditions*

  • We cover all heart attacks and strokes

  • We cover more cancers than any other insurer

  • 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

  • We provide more protection against cancer recurrence

Explore our Serious Illness Cover

Frequently Asked Questions

How do severity-based payments work?

We pay out on the severity of your illness or disability meaning that you could receive a payout at an earlier stage or your illness, even if it’s not life threatening. There are seven levels of severity to determine how much money gets paid out when you need to make a claim.

Can I add children to my Serious Illness Cover?

Yes, you can choose a cover amount of between £20,000 and £100,000 for your children. If your child is diagnosed with one of the illnesses we cover, we give you a cash lump sum.

What illnesses are covered?

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 48 conditions. Have a look at all the conditions we cover including heart attacks, strokes and diabetes.

Am I covered for heart attacks or stroke?

We define medical conditions in the same way as the medical profession. So, if your consultant or doctor diagnoses that you’ve had a heart attack or stroke, we pay out. The amount we pay depends on the severity of your condition, which means we can cover all types of heart attack and strokes. 

Serious Illness Booster

Increase the amount of cover we payout beyond 100%.

Get extra help for the long term effects of serious illness.

Find out more

40% off monthly gym fees. A joining fee will apply.

Gym discount available at participating Virgin Active, Nuffield Health Fitness & Wellbeing or David Lloyds Clubs. Minimum monthly premiums and terms and conditions apply. 

Having the right footwear is key to enjoy activity to the full and to prevent injury. That's why we also partner with Sweatshop to offer 50% off a pair of sport shoes3.

Learn more

Our personal protection options

We offer a range of award-winning insurance plans that protect you and your future. To find out more about our different life insurance products, choose the option that best suits your needs.

  • Life Cover

    Pays a cash lump sum if you die.

  • Serious Illness Cover

    Pays a lump sum if you're diagnosed with one of the conditions we cover.

  • Income Protection Insurance

    Pays you a monthly income if you get sick or injured and can't work.

  • Mortgage Protection Insurance

    Helps you to pay your mortgage if you get ill and can't work.

Computer icon Get a Quote

All it takes is a couple of minutes.

Get a quote
Phone icon Call us on
0161 2167 595

Speak to a VitalityLife adviser for tailored advice.
Lines open:
8am - 9pm Monday to Thursday
8am - 7pm Friday
9am - 5pm Saturday
Closed - Sunday

Request a callback
1 Cancer Research UK, 2015
Heart UK, 2016
* The average number of conditions that typical critical illness policies cover is 48. Source: Defaqto, 2017
** Hannover Re UK Life Branch February 2017