Serious Illness Cover
- Protect yourself from more conditions than any other insurer*
- Claim more than once
- Extend your plan to cover later-life conditions, like dementia
*Defaqto verified Serious Illness Cover comparison tool, 2023
We cover more conditions than any other insurer
What is serious illness cover?
It gives you a tax-free payout if you're affected by a serious illness, like cancer.
Other companies call it critical illness cover. We call it Serious Illness Cover, because not every serious illness is critical.
So we cover more illnesses - not just cancer, but less severe conditions like kidney disease and losing sight in one eye, too. And it covers the widest number of conditions in the market - up to 174 - including some unique to Vitality.1
Get more than Critical illness cover
We protect you for more and keep you covered longer
Protection for more conditions
Up to 174 conditions, including many only we cover, like pulmonary embolism, rheumatoid arthritis (on diagnosis) and inflammatory bowel disease (without the requirement for surgery)
Claim more than once
Get up to three times your level of cover, so you’re not left uninsured and uninsurable after your first claim
More likely to pay out
Because we also cover less serious conditions - 1 in 13 of Serious Illness Cover claims paid on plans that had already made a claim2
Later life cover
Keep ahead of later life conditions like dementia, Alzheimer’s and frailty, included as standard on qualifying plans
Guarantee your cover amount
You could also add on indexation. This makes sure your cover keeps its value, so it's worth the same in the future
Stay active, earn rewards
Get savings and rewards on top brands to help you get healthy
Ways to use your Serious illness cover payout
Your tax-free lump sum could be used to improve your life in many ways. Here's a few examples...
Pay off your debts
Give yourself peace of mind. Pay off your mortgage, loans, credit cards or an overdraft.
Replace your income
You may want to take time away from work to recover. Use your payout to help cover your living costs.
Adapt your home
Your illness might make it harder to get around your home. Your payout could help to adapt your home, making it easier to live with your condition.
Pay for treatment
If you don’t have private health insurance, your lump sum could pay for any private treatment you need.
What does your plan include?
We cover more conditions in full than any other insurer.[3]
In your plan
Our standard level Serious Illness Cover gives great cover for a wide range of illnesses.
- 114 conditions covered
- Each claim pays out 25% to 100% of your cover amount
- You can claim again, if you get another illness, up to the 100% cover amount
- Pays out earlier for less severe illnesses
- Dementia and FrailCare Cover conversion included as standard
Want to boost your cover?
Cover even more conditions by upgrading to our other serious illness plans.
- Cover up to 174 conditions
- Make claims for up to 3 times the cover amount
- 100% payouts for more conditions than any other insurer1
- More likely to payout than any other insurer and covers every condition in the market3
You can only upgrade your cover through your financial adviser.
Cover for all ages and life stages
We can help you stay covered in your later life. And look after your children now
Keep ahead of later life conditions
Dementia, Alzheimer’s and frailty, included as standard on qualifying plans
How it works:
- Your Serious Illness Cover term ends
- Any remaining cover will be converted to Dementia and FrailCare Cover,
- Continue to pay your premiums
The good news is, you won’t need to answer any new health questions and can cancel at any time.
As with Serious Illness Cover, how much we pay is based on the severity of your condition.
Find out how we'll support you in later life.
Child Serious Illness Cover
The widest cover for children in the market*
How it works:
- Standalone option - add up to £100,000 of cover to any adult plan.
- Multiple claims available - claim more than once for less severe conditions.
- Covers a wide range of conditions from birth - pays out £5,000 for congenital conditions and children’s funeral contribution.
- Protect all children - includes all children as standard from birth.
- Rewards for the whole family - getup to four cinema tickets, per family, per month**. Plus, discounted activity trackers for kids at no extra cost.
You'll need to call our team if you want child serious illness cover added to your plan.
*More conditions covered than any other provider, Defaqto, 2023
**Qualifying plans, minimum premiums and terms and conditions apply.
What conditions are covered?
On average, critical illness insurance policies only cover 75 conditions (Defaqto, 2023). Our serious illness cover covers 114, including:
- All heart attacks
- All strokes
- More cancers than any other insurer (Defaqto, 2023)
- All neurological diseases
- Breathing and respiratory diseases
- Stomach and intestine diseases
- Kidney diseases
- Connective tissue diseases
- Eyesight and hearing conditions
- Endocrine gland diseases
- Permanent disability.
Keep ahead of later life conditions like dementia, Alzheimer’s and frailty, conversion included as standard on qualifying plans.
Important plan documents
Personal Protection Plan Summary (PDF 189kb)
Personal Protection Plan Provisions (PDF 903kb)
Child Serious Illness Cover Plan Provision Supplement (PDF 513kb)
Need more advice?
Our team are here to help you decide if this is the right cover for you. They'll give you qualified advice and recommendations. No obligation, no charge.
Call us on 0330 678 3328
Or
Call charge information
Serious illness FAQs
Sources
- Defaqto verified statement, August 2022
- Vitality Claims and Benefits Report 2024
- Defaqto verified Serious Illness Cover comparison tool, 2023
Adding Accident and Fracture Cover with Serious Illness Cover
Serious Illness Cover offers your clients tax-free payouts for 174 conditions. This is more than any other insurer. When your clients add Accident and Fracture Cover, they can protect themselves even further.
Plus, it can help them get back on their feet after each valid claim with access to up to six sessions of physio. All in one product for £7.50 a month, per person.
To add it to their Serious Illness Cover, their life plan needs to have a minimum monthly premium of £15 per person and they need to be aged between 16 and 49.
