The Serious Illness Cover helps protect you financially if you fall ill with one of the 178 conditions which are covered. A cash lump sum is paid based on the severity of your condition – meaning that you can focus all your energies on making a full recovery.
Unlike typical critical illness policies, serious illness pays out for the less severe conditions as well as the more critical ones. So if you get ill and need to claim, the policy will give you a percentage of your cover depending on how severe your condition is. This means that if a condition gets caught early on, you will receive a portion of the money to alleviate the stress, but you’ll also have the rest of your cover should you need to claim again and again.
Vitality’s cover is five-star Defaqto rated
Critical illness can strike at any time. One in two people in the UK will develop some form of cancer during their lives (Cancer Research UK, 2015) , every seven minutes someone will have a heart attack and every 12 minutes someone will have a stroke (Heart UK, 2016).