Three comprehensive products
With advancements in modern medicine, people are much more likely to survive a serious illness. However, as a result, they’re more likely to suffer a recurrence or secondary illness. And as we live longer, we’re more exposed to illnesses in later life.We've enhanced our award-winning Serious Illness Cover to provide a more modern form of protection.
Now available as three distinct products that retain the best of comprehensive cover, multiple claims and later life protection.
Explore our Claims and Benefits Report 2023
With the ongoing economic challenges highlighting the need for better financial resilience, it’s never been more important to be discussing protection insurance with your clients.
Find out how we supported clients in 2022 through market-leading protection cover and health and wellbeing benefits:
- 1 in 6 claims we paid in 2022 would not have been covered by a typical core plan
- 1 in 12 Serious Illness Cover claimants in 2022 had claimed previously
- 70k+ members protected with later life cover since we launched Dementia and FrailCare Cover in 20181.
Growing your protection business in a challenging market
In the first edition of our new webinar series, 'Forward Thinking with Vitality', our panellists will be exploring how protection advisers can maximise the opportunities available on the market to ensure their businesses thrive in an ever-challenging climate.
More reasons to recommend
2. Multiple claims up to 3x the level of cover: Get multiple payouts for cancers, heart attacks and strokes and other full payout conditions
3. Later life protection included as standard: Stay protected against conditions prevalent in later life, such as Alzheimer’s, dementia, and Parkinson’s.
4. Market-leading Child Serious Illness Cover: All children are automatically included with one premium, and can enjoy the Vitality Programme at no additional cost3.
How it works
Choose one of our simplified comprehensive products.
Serious Illness Cover 1X
More illnesses covered than any other insurer
- 114 conditions covered
- 62 conditions covered in full, 19 unique conditions4
- Each claim pays out 25% to 100% of the cover amount
- Make a claim for one time the cover amount
- Pays out earlier for less severe illnesses.
Serious Illness Cover 2X
Full protection with broad cover and full payments
- 143 conditions covered
- 74 conditions covered in full, 35 unique conditions4
- Each claim pays out from 15% to 100% of the cover amount
- Make claims up to 2x the cover amount
- 100% payouts for more conditions than traditional critical illness cover5
- More likely to pay out than any other insurer.
Serious Illness Cover 3X
Best-in-class cover for ultimate peace of mind
- 174 conditions covered
- 74 conditions covered in full, 60 unique conditions4
- Each claim pays out from 5% to 100% of the cover amount
- Make claims for up to 3x the cover amount
- 100% payouts for more conditions than traditional critical illness cover5
- More likely to pay out than any other insurer and covers every condition in the market.5
Our Dementia and FrailCare Cover
All our Serious Illness Cover plans include Dementia and FrailCare Cover conversion as standard – to protect your client's in later life and help cover rising care costs.
Once their Serious Illness Cover term ends, if there is any remaining cover left – it will be converted to Dementia and FrailCare Cover, as long as they continue to pay their premiums. They won’t need to answer any new health questions and can cancel at any time.
It works in the same way as our Serious Illness Cover. How much we pay is based on the severity of your client's condition. This means your client could receive further payouts should their condition get worse.
Serious Illness Cover toolkit
Quick access to everything you need to support your client conversations.
SIC vs CIC comparison tool
Unlike typical critical illness cover, our newly enhanced Serious Illness Cover pays out on a severity based approach.
Our cover is so different so comparing against other providers isn't always easy. That’s why we’ve created our Serious Illness vs. Critical Illness comparison tool.
Serious Illness Cover with Vitality
With Vitality’s Serious Illness Cover, your clients are more likely to get a payout than with typical critical illness cover. They’ll also be covered for more conditions than with other insurers*.
*Number of conditions covered, Defaqto, 2022
Now available on CIExpert
"Started in 2012, CIExpert is the most used site for advisers to compare CIC plans, current or historic. I anticipate Serious Illness Cover 3X being at - or towards - the top of the CIExpert table, with Serious Illness Cover 2X not far below that. This will reflect the quality of the plans.”- Alan Lakey, Director, CIExpert
Where to next?
We're here to help
Your Business Consultant is always ready to support you.
2 More conditions covered than any other provider, Defaqto, 2023
3 In addition to the current Vitality Plus fee of £4.75 per month per adult
4 Maximum payment of a single claim will always be 100% of the level of cover selected
5 Alongside conditions typically paid in full by critical illness plans. Maximum claim amount across all plans is £3,000,000
6 VitalityLife analysis, 2022
7 VitalityLife experience analysis, rolling lapse rates between Oct 2020 - September 2021. VitalityLife Claims and Benefits Report, 2022.