Serious Illness Cover

Serious Illness cover can financially protect your family should you no longer be able to. We can cover up to 2.5 x more illnesses than a typical critical illness policy, and we can provide you with a policy that is more than twice as likely to pay out so you can get the help you need, when you need it.

What is serious illness cover?

If you’re diagnosed with a serious illness we cover, serious illness cover pays out a lump sum. The payout is tax-free and can cover your expenses while you take time to recover..

How does serious illness cover work?

For the duration of your plan, you’ll pay monthly premiums. If you’re diagnosed with one of the conditions we cover, you’ll get a payout.

Our cover pays out based on the impact that the condition has on your lifestyle. This means you could receive a payout at an earlier stage of your illness, even if it’s not life threatening. We’ll pay out 100%, 75%, 50%, 25%, 15%, 10% or 5% of your cover depending on the severity of your condition.

Should your condition get worse, or you suffer with another condition, you can claim again. You can keep doing this until you’ve used up your whole cover amount.

What conditions are covered

We can provide you with cover for up to 183 illnesses compared to 75 conditions that you get from most other providers.

Ours includes:

✓ All heart attacks
✓ All strokes
✓ More cancers than any other provider
✓ Chronic Obstructive Pulmonary Disease
✓ Liver disease
✓ Dementia
✓ Coronary artery by-pass surgery
✓ Kidney failure
✓ Major organ transplant
✓ Multiple sclerosis.

Female doctor working with upset man, asking information about p

Do you need serious illness cover?

Illness can impact our lives at any time. On average, people are £6,840 worse off each year due to a cancer diagnosis (Macmillan Cancer Support Research, 2017). Insurance cover can reduce the financial impact of this.

Consider serious illness cover if

✓ You and your family rely on your income
✓ You’re a single income household, or are the main breadwinner
✓ Government benefits wouldn’t cover your outgoings, or you’re not eligible.

We can even protect your children up until the age of 23.