SERIOUS ILLNESS COVER

YOURE UP TO 2 TIMES MORE LIKELY

TO GET A PAYOUT FROM OUR SERIOUS
ILLNESS COVER THAN YOU ARE FROM A
TYPICAL CRITICAL ILLNESS POLICY 1

WHAT SERIOUS ILLNESS

COVER DOES
HOW SERIOUS ILLNESS
COVER WORKS

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.

OF ALL THE COVERS AVAILABLE SERIOUS

ILLNESS COVER MAKES THE MOST SENSE,
IT HAS THE WIDEST BASE AND IT HAS
SEVERITY AT ITS HEART
DR. JOHN DELFOSSE
GP AND INSURANCE MEDICINE SPECIALIST

SOURCES
1. Hannover Re UK Life Branch February 2016

WE COVER MORE CONDITIONS THAN ANY OTHER INSURER

HOW SERIOUS
ILLNESS COVER
IS DIFFERENT

Over

Over

conditions covered with our

Comprehensive
Serious Illness Cover

conditions covered
with our Primary
Serious Illness Cover

170

100

Around

45

conditions2 covered by
typical Critical Illness
Cover policies

YOURE MORE LIKELY TO GET A PAYOUT

We pay out for less severe conditions as well as the more critical ones. If you lost your
sight in both eyes, wed pay out, just like a typical insurer, but we understand that its not
just the most severe form of a condition that affects peoples lives, so we also pay out a
percentage of your cover amount for things that arent as severe.

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 COVER EARLIER STAGES OF CERTAIN CONDITIONS

We pay out on diagnosis for some illnesses, so you dont have to wait until they become
debilitating or life-threatening before you can claim.

WE CONTINUE TO COVER YOU AFTER A CLAIM

A typical critical illness policy could come to an end after a claim, 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. We make sure we can protect you even after youve made
a claim. So, if you claim for less than your full amount of cover, well continue to cover you
for the remaining amount.

We give you the option to fully top your cover after a claim

Protected Cover is a feature that you can choose to add to protect

against future claims. It tops up your cover following a claim to the
original amount, giving you extra piece of mind.

IF A DOCTOR TELLS YOU YOUVE HAD A HEART ATTACK OR A STROKE, WE PAY OUT

WE COVER ALL HEART

ATTACKS AND STROKES

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

EARLY STAGE OR OF A LESS SEVERE FORM

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%

more likely to get a payout with our

Comprehensive Cover for cancer than
under the industry standard definition4

IF YOURE DIAGNOSED WITH ALZHEIMERS DISEASE, YOU MAY NEED TO MAKE IMPORTANT

WE PAY OUT
SOONER FOR SOME
NEUROLOGICAL
CONDITIONS

CHANGES TO YOUR LIFESTYLE.

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.

CORE SERIOUS ILLNESS COVER FOR CHILDREN

Core Serious Illness Cover for Children pays a lump sum if your
child suffers from a serious illness that we cover. This feature is
not available with the Essentials plan.

OPTIONAL EXTRAS

OPTIONAL SERIOUS ILLNESS COVER FOR CHILDREN

Optional Serious Illness Cover for Children offers up to 100,000
of extra cover.

PROTECTED COVER
Protected Cover works by safeguarding your future with 100%
automatic reinstatement cover, so cover continues after a claim.

SERIOUS ILLNESS COVER BOOSTER

Serious Illness Cover Booster gives even more help coping with
the long-term effects of some serious illnesses. For some longterm conditions, well pay out more between 100% and 200% of
the cover amount.

VITALITY OPTIMISER
With Vitality Optimiser, you can get all of our discounts and
rewards with an upfront discount on our award-winning cover.

Covers you for more conditions than any other insurer

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

FIND OUT MORE

Get in touch with your financial adviser, visit vitality.co.uk/life or speak to a
VitalityLife Adviser on 0808 273 6881.

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

Part of the Discovery Group