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Serious Illness Cover frequently asked questions

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Get answers to some of the most common queries about buying our Serious Illness Cover below or call us on 0808 252 3670.

Can I claim on my Serious Illness Cover more than once?

If you make a successful claim on a typical critical illness policy, most insurers will pay out 100% of the cover amount and then stop your policy. If your policy included Life Cover, this element could be reduced – or stopped altogether. So if you needed to claim again, you might not be covered. And it could be expensive – or impossible – for you to buy the same amount of cover again.

Our plans can protect you even after you make a claim, because we let you claim more than once. We don’t pay out your whole lump sum if you don’t need it. So, if you claim for a condition that’s less severe, we pay out part of the cover amount for that condition, leaving you the remainder to keep protecting you in future.

We also offer a range of options to help you get even more from your cover. For example, if you need both Life Cover and Serious Illness Cover, add Protected Life Cover and Serious illness Cover to your plan and your cover amount will always stay the same, no matter how many Serious Illness Cover claims you make.

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 says 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.

Can I add children to my Serious Illness Cover?

You can choose a cover amount of between £10,000 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. As we pay out based on the severity of a condition, if we pay out less than the cover amount and your child’s illness gets worse, or they’re diagnosed with another illness, they would still be covered. We cover children from one month old and, if they stay in full-time education, we’ll cover them until the plan anniversary after their 23rd birthday.

Can I tailor my Serious Illness Cover?

Once you choose between Primary or Comprehensive Serious Illness Cover, you can add a range of other options like the Serious Illness Booster.

How does Serious Illness Cover work?

For most conditions, a typical critical illness policy pays out for the full cover amount, or nothing at all. After your claim, you can be left with nothing to help you cope with an illness that has a continuing impact on your life. 

On the other hand, our Serious Illness Cover pays a percentage of the cover amount – up to 100% - depending on the severity of your condition. If you claim for a condition that pays out part of your cover amount, we keep covering you for the remaining amount. So should it get worse, or you’re diagnosed with a more severe condition, you can claim again. You can do this until you’ve used up your whole cover amount. This also means we can pay out on a wider range of illnesses - not just the debilitating or life-threatening ones covered by typical critical illness policies.

What happens to my Life Cover if I make a Serious Illness Cover claim?

If you make a successful claim on a typical critical illness policy, most insurers will pay out 100% of the cover amount and then stop your policy. If your policy included Life Cover, this element could be reduced – or stopped altogether. So if you needed to claim again, you might not be covered. And it could be expensive – or impossible – for you to buy the same amount of cover again.

Our plans can protect you even after you make a claim, because we let you claim more than once. We don’t pay out your whole lump sum if you don’t need it. So, if you claim for a condition that’s less severe, we pay out part of the cover amount for that condition, leaving you the remainder to keep protecting you in future.

We also offer a range of options to help you get even more from your cover. For example, if you need both Life Cover and Serious Illness Cover, add Protected Life Cover and Serious illness Cover to your plan and your cover amount will always stay the same, no matter how many Serious Illness Cover claims you make.

How many conditions are covered?

If you choose our Comprehensive Serious Illness Cover, you’re covered for 174 conditions and with our Primary Serious Illness Cover, you’re covered for 114. The typical critical illness policy only covers you for around 45 conditions1.

Both of our Serious Illness Cover options also offer unique benefits targeted at younger families, such as Complications of Pregnancy, a range of Congenital Conditions and a Child Funeral Contribution of £5,000.  

Source: 1Hannover Re UK Life Branch February 2016

What’s the difference between life insurance and Serious Illness Cover?

Life insurance pays a lump sum to your loved ones if you die or are diagnosed with a terminal illness. With Serious Illness Cover, if you’re diagnosed with an illness we cover, the payment goes directly to you, to help see you through your recovery period.

Why am I more likely to get a payout with Serious Illness Cover than with Critical Illness Cover?

It’s because Serious Illness Cover pays out on more conditions than any other insurers – over 170 with our Comprehensive Serious Illness Cover and over 100 with our Primary Serious Illness Cover. We also cover earlier stages of certain conditions and in some cases make partial payouts when you’re diagnosed, rather than making you wait until you have surgery or develop permanent symptoms. Together, this means you are up to two and a half times more1 likely to get a payout from our Serious Illness Cover than you are from a typical critical illness policy.

Source: 1Hannover Re UK Life Branch February 2016

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