What you’ll need to make a Serious Illness Cover claim
Required documents
Before making a claim, try to gather the following information if it’s available:
- The name of the claimant
- Details of the claim
- Name and address of the claimant’s GP or Consultant
- Medical reports from a doctor
- The plan number if you know it (this can be found on the plan documents or emails)
It's also worth checking your plan document before you give us a call for the following information:
- How much you're covered for
- What conditions you're covered for - you can also check our 'Serious Illness Cover Conditions covered' leaflet, which is based on our latest product launch (Feb 2023). Previous serious illness cover plan versions may cover for different conditions.
- If you have any exclusions
Additional information that may be required for a Serious Illness Cover claim
- A copy of the claimant’s job description
- Statement of Fitness for Work Certificates and continuous updated medical evidence confirming incapacity
When we can't pay out
In some cases, we can’t pay out on a Serious Illness Cover claim. There are three main reasons why:
Misrepresentation
It’s important that any information you give us when applying for cover is correct and nothing is missing. We may not be able to pay out on a claim if there is something you haven't told us about your health or lifestyle.
Definition not met
This is when the claim is for an illness or injury that either isn't named in the cover or does not meet the plan criteria.
Notification period
Each benefit has a specific timeframe for submitting claims, called the notification period. For Serious Illness Cover, we must get written notice within 6 months of the life-changing event you are claiming for, or we may not be able to accept the claim. For other types of cover, please see our notification time limit chart here.
Claim notification period
When do I need to submit my claim by?
Serious Illness Cover (All), Waiver of Premium on Serious Illness
We must get written notice within 6 months of the life-changing event.Claims charter
We know that life insurance claims often happen at difficult moments in life. That’s why we’ll always do all we can to handle every claim as smoothly and as quickly as possible. We’ve also signed up to The Protection Distributors Group’ (PDG) Claim Charter, so rest assured we’re dedicated to delivering the highest standards to you throughout your claim experience.Further support
We know it can be a stressful and challenging time when you become seriously ill, so we’ve compiled a list of helpful resources to support you during your illness, which can be found below:Support
Useful help and support for whatever you're going through
Health conditions
Find information, support and useful resources about a range of health conditions
Financial support
Financial advice and extra resources to help if you are facing financial difficulty
Glossary of terms
Complicated insurance terms explained, to help make the process easier