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Our award-winning Serious Illness Cover helps protect you from the
financial impact that a serious illness can have on your life. If you suffer
with one of the conditions we cover, we pay you a cash lump sum.
The amount we pay you is based on the severity of your condition.
Choose between our Primary Cover, which covers over 100 conditions, or
Comprehensive Cover, which covers over 170 conditions.
If you need to claim, we give you a percentage of your cover amount depending on
how severe your condition is.
If you make a claim for a condition that pays out part of your cover amount, we keep
covering you for the remainder.
Should your condition get worse, or you suffer with another condition, you can claim
again. You can keep doing this until youve used up your whole cover amount.
SOURCES
1. Hannover Re UK Life Branch February 2016
HOW SERIOUS
ILLNESS COVER
IS DIFFERENT
Over
Over
conditions covered
with our Primary
Serious Illness Cover
170
100
Around
45
conditions2 covered by
typical Critical Illness
Cover policies
Example
Wed pay out 15% of your cover amount if you lost sight in one eye. This
means that if you had 120,000 of Comprehensive Serious Illness Cover, and
went blind in one eye, wed pay you 18,000. And youd still have 102,000
of cover left. So if your condition got worse, or you suffered a more severe
condition, you could claim again.
We give you the option to fully top your cover after a claim
IF A DOCTOR TELLS YOU YOUVE HAD A HEART ATTACK OR A STROKE, WE PAY OUT
We define medical conditions in the same way that the medical profession does. So, if
your consultant diagnoses that you have had a heart attack or a stroke, we pay out. The
amount we pay depends on the severity of your condition. It means were able to cover all
types of heart attack and all strokes3.
BEING DIAGNOSED WITH CANCER CAN CAUSE A LOT OF ANXIETY EVEN IF ITS AT AN
WE COVER MORE
CANCERS THAN ANY
OTHER INSURER
You may have to take time off work for treatment, which can cause stress and financial
worries. Thats why we pay out on a number of less severe and early-stage cancers that
many other insurers dont cover.
- We cover more cancers than any other insurer with our Comprehensive Cover
- We cover all early stage carcinomas in-situ on diagnosis so we can pay you sooner
- Our definition for carcinoma in-situ means a payout on diagnosis without requirement
for surgery
Youre
87%
IF YOURE DIAGNOSED WITH ALZHEIMERS DISEASE, YOU MAY NEED TO MAKE IMPORTANT
WE PAY OUT
SOONER FOR SOME
NEUROLOGICAL
CONDITIONS
Once you develop permanent symptoms, you may be less able to make these changes or
less likely to benefit from them.
With our Comprehensive Serious Illness Cover, we dont wait for permanent symptoms
to appear before we help. We pay out 10% of your cover amount as soon as youre
diagnosed. The rest of your cover amount is still available to you. So if your condition gets
worse, or you suffer with a more severe condition, you can claim again. You can do this
until you have used up your whole cover amount.
We would also pay out in a similar way for a number of other neurological conditions,
including multiple sclerosis, Parkinsons disease and motor neurone disease.
SOURCES
2. Verified by Defaqto, January 2016
3. VitalityLife research, January 2016
4. Hannover Re UK Life Branch, February 2016
INCLUDED WITH
YOUR PLAN
FAMILY BENEFIT
Family Benefit helps to support a family at a special stage of life,
covering pregnancy complications and more.
OPTIONAL EXTRAS
PROTECTED COVER
Protected Cover works by safeguarding your future with 100%
automatic reinstatement cover, so cover continues after a claim.
VITALITY OPTIMISER
With Vitality Optimiser, you can get all of our discounts and
rewards with an upfront discount on our award-winning cover.
SERIOUS ILLNESS
COVER
overs you for a number of less severe and early stage conditions that other
C
insurers dont cover
ays out an amount based on how severe your condition is, so you could get a
P
payout earlier and when you need it
Gives you the chance to claim again if you receive a payout for less than your full
cover amount
Covers all heart attacks and strokes
ur Comprehensive Serious Illness Cover also covers you for more cancers than any
O
other insurer in the UK
Provides our unique Family Benefit
We give you the option to add benefits to enhance your cover
7
7
VitalityLife is a trading name of Vitality Corporate Services Limited which is authorised and regulated
by the Financial Conduct Authority. All information correct as at February 2016.
PRUPM11440_ 02/2016 _J0791