Serious Illness Cover

To cater for different needs and budgets, we have two levels of cover for your client to choose from. 

• Serious Illness Cover - includes 153 conditions, covered from Severity A (100% payout) to Severity E (15% payout).
• Serious Illness Cover Plus - includes 182 conditions, covered from Severity A (100% payout) to Severity G (5% payout). It also includes our unique Cancer Relapse Benefit as standard. 

How Serious Illness Cover works.

Our Serious Illness Cover pays out based on the impact that the condition has on your client’s lifestyle. This means your client could receive a payout at an earlier stage of their illness, even if it’s not life threatening.

When your client claims, they get a percentage of their cover amount, depending on the severity of their condition. If their condition is of a lower severity, we pay out a part of their cover amount and keep covering them up to the remaining cover amount.  Should their condition get worse, or they suffer with another condition, they can claim again. They can keep doing this until they’ve used up their whole cover amount.

When arranging your clients Serious Illness Cover, discuss our unique Later Life Options with them. These are chosen upfront and begin when your clients Serious Illness Cover ends, to help protect them in later life against the potential financial impact of dementia, Alzheimer’s, Parkinson’s, stroke and frailty.

Serious Illness Cover in action

We pay out for less severe conditions as well as the more critical ones. If your client lost sight in both eyes, we’d pay out, just like a typical insurer, but we understand that it’s not just the most severe form of a condition that affects people’s lives, so we also pay out a percentage of the cover amount for things that aren’t as severe. So if your client lost their sight in one eye, they would still get a payment with us of 15% of their cover amount, and they’d still be covered with the remainder of their cover.
Watch Phil's Serious Illness Cover claims story to see how our award-winning cover really does make a difference to our member’s lives.

Family Benefit

Covers your clients against some of the most significant conditions that could affect their child at birth as well as covering either them or their spouse against any complications associated with pregnancy.

Cancer Relapse Benefit

This unique benefit lets your clients claim for a cancer recurrence at the same or lower severity, following a year in remission. Payouts for subsequent cancer under Cancer Relapse Benefit are limited to those at Severity levels A to C and the Severity level D cancer which is the ABI definition.

It also boosts the payout for subsequent cancers by 50% on top of your level of cover.

Cancer Relapse Benefit is included as standard on all Serious Illness Cover Plus plans only.

Your clients have the ability to include our additional cover and options with their Serious Illness Cover.

Later Life Options:

Unique to Serious Illness Cover, Later Life Options provide two levels of protection, designed to support your client’s independence in later life with cover for dementia, Alzheimer’s, Parkinson’s, stroke and frailty.

Both of our Later Life Options begin once your clients Serious Illness Cover ends and pay out based on the severity of their condition.

Dementia and FrailCare Cover – cover is calculated at the start of your clients plan as 50% of their Serious Illness Cover and a maximum amount available of £100,000. This is available for no extra upfront cost.

Dementia and FrailCare Cover Plus - cover is calculated at the start of their plan as 100% of their Serious Illness Cover and a maximum amount available of £200,000. This is available at an extra cost.

Funeral cover - included at no additional cost on both of our Later Life Options when Term Life Cover is selected.

Download our Later Life Options guide.

Child Serious Illness Cover:

Available on our Personal Protection Plan. It pays your clients a cash lump sum if their child were to suffer a serious illness. You can select up to £100,000 of extra cover towards the expense of a child needing medical care, taking time off work, travel costs and childcare for siblings.

Protected Cover:

Following a Serious Illness Cover claim, Protected Cover increases your clients cover back to the original amount. They can select whether they want to top up their Life Cover or both their Life and Serious Illness Cover amounts. In total, they can claim up to three times their chosen level of Serious Illness Cover.

Serious Illness Cover Booster: 

Serious Illness Cover Booster enables your client to benefit from 100% payouts for all of the key conditions that would typically by covered in full by a critical illness plan, plus payouts of up to 200% for other long-term debilitating illnesses alongside an additional 10% payout for every named child on the plan.

Download our Serious Illness Cover Booster sales aid.

Vitality Programme

 Everyone gets access to the Vitality Programme, which encourages your clients to take steps towards a healthier future - and rewards them with benefits. It means they can get something back for their premiums, without having to claim. Help your clients:

• Understand their health
• Improve their health
• Get rewarded for engaging in healthy habits

Learn more about the Vitality programme.