With our cover you're more likely to get a payout

PruProtect’s Serious Illness Cover offers protection against serious illnesses as well as advanced or life threatening ones.

The average number of illnesses and conditions that most Critical Illness policies cover is 39. With our Primary Serious Illness Cover, you're covered for 100 conditions. And with our Comprehensive Serious Illness Cover, you’ll be covered for 161.

Our cover is designed to give you financial support that matches the impact a condition will have on your life. The more severe your condition, the larger the payment you'll receive.

See for yourself how many more illness, conditions and procedures we cover

    Statistics for

    • Every two minutes someone is diagnosed with cancer in the UK (Cancer Research UK, 09/2010)
    • Around 1 in 10 of all cancer cases are in people aged 25-49 years (Cancer Research UK, 10/2010)
    • Arthritis is the most common condition that people receive Disability Living Allowance for (Arthritis Research UK, 11/2008)
    • Around 25,000 people have systemic lupus erythematosus (Arthritis Research UK, 11/2008)
    • There are 688,000 people with severe to profound deafness in the UK (RNID, 09/2010)
    • 42% of over 50-year-olds will have some kind of hearing loss (RNID, 09/2010)
    • Every day around 100 people in the UK start to lose their sight (Fight for Sight, 09/2010)
    • By the age of 65, 1 in 6 will become blind or partially sighted (Fight for Sight, 09/2010)
    • There are currently 90,000 people living with Crohn's disease in the U.K (St Marks foundation, 2011)
    • Cardiovascular diseases (CVD) are the UK’s biggest killer (BHF, Coronary heart disease statistics 2012)
    • In 2010, almost 180,000 people died from Cardiovascular disease around 80,000 of these deaths being from coronary heart disease (BHF, Coronary heart disease statistics 2012)
    • HIV is one of the fastest growing serious health concern in the UK (Terrence Higgins Trust, 09/2010)
    • There are currently around 83,000 people living with HIV in the UK (Terrence Higgins Trust, 09/2010)
    • You are more likely to need a transplant than become a donor (Organ Donation, 09/2010)
    • More than 10,500 people need an organ transplant in the UK (Organ Donation, 09/2010)
    • Lung cancer is the second most common cancer diagnosed in the UK after breast cancer. (Cancer Research UK, June 2012)
    • Nearly 40% of men and over 30% of women in England have high blood pressure, a key risk factor for stroke (BHF, 2009)
    • There are 820,000 people living with dementia in the UK today (dementia2010.org)
    • Over 3 million people face chronic kidney disease in the UK today (organdonorcampaign.co.uk, 09/2010)
    • There are 20,000 dialysis patients in the UK. Only 1,800 will get a transplant each year (organdonorcampaign.co.uk, 09/2010)

Key

Severity levels A-D - available with Primary and Comprehensive Serious Illness Cover

Severity levels E-F - available with Comprehensive Serious Illness Cover

• A condition listed under the ABI statement of Best Practice
• A condition listed in the ABI Statement of Best Practice where PruProtect has improved on the ABI model wording
• A condition that we cover in addition to the ABI statement of Best Practice
    Print
    • + Severity level A – pays out 100%
      • Acute Lymphoblastic Leukaemia •
      • Acute Myeloid Leukaemia •
      • Advanced Aplastic Anaemia •
      • Advanced cancer, classified as a TNM Group Stage III tumour or above •
      • Advanced Chronic Lymphocytic Leukaemia, classified as Binet Stage C •
      • Advanced Hodgkin’s disease, classified as Ann-Arbor Stage III or above •
      • Advanced Non-Hodgkin’s Lymphoma, classified as Ann-Arbor Stage III or above •
      • Chronic Myeloid Leukaemia •
    • + Severity level C – pays out 50%
      • Advanced cancer, classified as a TNM Group Stage II tumour •
      • Advanced Hodgkin's disease, classified as Ann-Arbor Stage II •
      • Advanced Non-Hodgkin's Lymphoma, classified as Ann-Arbor Stage II •
      • Multiple Myeloma •
      • Myelodysplasia, classified as Intermediate 1 under the International Prognostic Scoring System •
    • + Severity level D – pays out 25%
      • Cancer – excluding less advanced cases • •
      • Low-grade prostate cancer •
      • Carcinoma in-situ of the oesophagus - requiring surgery •
      • Marrow Aplasia •
      • Mastectomy for Carcinoma in-situ of the breast •
    • + Severity level E – pays out 15%
      • Myelodysplasia, classified as low risk on the International Prognostic Scoring System •
    • + Severity level F – pays out -10%
      • Lumpectomy for Carcinoma in-situ of the breast •
    • + Severity level A – pays out 100%
      • Giant Cell Arteritis, causing the permanent inability to perform at least 4 out of 6 Functional Activity Tests •
      • Polyarteritis Nodosa, causing the permanent inability to perform at least 4 out of 6 Functional Activity Tests •
      • Polymyositis, causing the permanent inability to perform at least 4 out of 6 Functional Activity Tests •
      • Rheumatoid Arthritis, causing the permanent inability to perform at least 4 out of 6 Functional Activity Tests •
      • Systemic Lupus Erythematosis, causing the permanent inability to perform at least 4 out of 6 Functional Activity Tests •
      • Systemic Sclerosis (Scleroderma), causing the permanent inability to perform at least 4 out of 6 Functional Activity Tests •
      • Wegener's Granulomatosis, causing the permanent inability to perform at least 4 out of 6 Functional Activity Tests •
    • + Severity level B – pays out 75%
      • Giant Cell Arteritis, causing the permanent inability to perform at least 3 out of 6 Functional Activity Tests •
      • Polyarteritis Nodosa, causing the permanent inability to perform at least 3 out of 6 Functional Activity Tests •
      • Polymyositis, causing the permanent inability to perform at least 3 out of 6 Functional Activity Tests •
      • Rheumatoid Arthritis, causing the permanent inability to perform at least 3 out of 6 Functional Activity Tests •
      • Systemic Lupus Erythematosis, causing the permanent inability to perform at least 3 out of 6 Functional Activity Tests •
      • Systemic Sclerosis (Scleroderma), causing the permanent inability to perform at least 3 out of 6 Functional Activity Tests •
      • Wegener's Granulomatosis, causing the permanent inability to perform at least 3 out of 6 Functional Activity Tests •
    • + Severity level C – pays out 50%
      • Giant Cell Arteritis, causing the permanent inability to perform at least 2 out of 6 Functional Activity Tests •
      • Polyarteritis Nodosa, causing the permanent inability to perform at least 2 out of 6 Functional Activity Tests •
      • Polymyositis, causing the permanent inability to perform at least 2 out of 6 Functional Activity Tests •
      • Rheumatoid Arthritis, causing the permanent inability to perform at least 2 out of 6 Functional Activity Tests •
      • Systemic Lupus Erythematosis, causing the permanent inability to perform at least 2 out of 6 Functional Activity Tests •
      • Systemic Sclerosis (Scleroderma), causing the permanent inability to perform at least 2 out of 6 Functional Activity Tests •
      • Wegener's Granulomatosis, causing the permanent inability to perform at least 2 out of 6 Functional Activity Tests •
    • + Severity level D – pays out 25%
      • Giant Cell Arteritis causing the permanent inability to perform at least 1 out of 6 Functional Activity Tests •
      • Polyarteritis Nodosa, causing the permanent inability to perform at least 1 out of 6 Functional Activity Tests •
      • Polymyositis, causing the permanent inability to perform at least 1 out of 6 Functional Activity Tests •
      • Rheumatoid Arthritis, causing the permanent inability to perform at least 1 out of 6 Functional Activity Tests •
      • Systemic Lupus Erythematosis, causing the permanent inability to perform at least 1 out of 6 Functional Activity Tests •
      • Systemic Sclerosis (Scleroderma), causing the permanent inability to perform at least 1 out of 6 Functional Activity Tests •
      • Wegener's Granulomatosis, causing the permanent inability to perform at least 1 out of 6 Functional Activity Tests •
    • + Severity level F – pays out -10%
      • A definite diagnosis of Giant Cell Arteritis •
      • A definite diagnosis of Polyarteritis Nodosa •
      • A definite diagnosis of Polymyositis •
      • A definite diagnosis of Rheumatoid Arthritis •
      • A definite diagnosis of Systemic Lupus Erythematosis •
      • A definite diagnosis of Systemic Sclerosis (Scleroderma) •
      • A definite diagnosis of Wegener's Granulomatosis •
      • Pemphigus Vulgaris •
    • + Severity level E – pays out 15%
      • Diabetes Insipidus (restricted to one payment) •
      • Sheehan’s syndrome (restricted to one payment) •
      • Thyrotoxic crisis (restricted to one payment) •
    • + Severity level F – pays out 10%
      • Acromegaly (restricted to one payment) •
      • Addison’s disease (restricted to one payment) •
      • Adrenalectomy (restricted to one payment) •
      • Conn’s syndrome (restricted to one payment) •
      • Cushing’s syndrome (restricted to one payment) •
      • Insulinoma (restricted to one payment) •
      • Pheochromocytoma (restricted to one payment) •
      • Radiotherapy to the pituitary gland (restricted to one payment) •
      • Simmond’s disease (restricted to one payment) •
      • Surgical removal of the pituitary gland (restricted to one payment) •
    • + Severity level A – pays out 100%
      • Any other cardiac condition resulting in a permanent ejection fraction of 29% or less whilst on optimal therapy •
      • Cardiomyopathy resulting in a permanent ejection fraction of 29% or less whilst on optimal therapy •
      • Congestive heart failure (at least 4 signs of failure on optimal therapy, for at least 6 months) •
      • Heart attack resulting in a permanent ejection fraction of 29% or less whilst on optimal therapy •
      • Severe peripheral vascular disease •
      • Severe vascular disease affecting multiple systems with a diastolic blood pressure greater than 110mmHg on optimal therapy •
    • + Severity level B – pays out 75%
      • Any other cardiac condition resulting in a permanent ejection fraction of between 30% and 39% whilst on optimal therapy •
      • Aorta graft surgery • •
      • By-pass graft surgery to 3 or more coronary arteries •
      • Cardiomyopathy resulting in a permanent ejection fraction of between 30% and 39% whilst on optimal therapy •
      • Heart attack resulting in a permanent ejection fraction of between 30% and 39% whilst on optimal therapy •
    • + Severity level C – pays out 50%
      • Coronary artery by-pass grafts – with surgery to divide the breastbone • •
      • Heart Attack – of specified severity • •
    • + Severity level D – pays out 25%
      • Endovascular repair of an aortic aneurysm •
      • Heart valve replacement or repair • •
      • Surgical repair of a structural lesion of the heart •
    • + Severity level E – pays out 15%
      • Balloon valvuloplasty •
      • Endovascular heart valve replacement •
      • Femoral artery aneurysm repair •
      • Iliac artery aneurysm repair •
      • Pericardectomy •
      • Surgery to correct carotid artery stenosis •
    • + Severity level F – pays out 10%
      • Angioplasty (Coronary) or PTCA (Percutaneous Transluminal Coronary Angioplasty) with or without stent (restricted to one payment only) •
      • Angioplasty to correct carotid artery stenosis (restricted to one payment only) •
      • Cardioversion for cardiac arrhythmia (restricted to one payment only) •
      • Emergency intravenous anti-arrhythmic therapy for ventricular tachycardia or fibrillation (restricted to one payment only) •
      • Infective endocarditis (restricted to one payment only) •
      • Keyhole coronary artery bypass surgery (restricted to one payment only) •
      • Permanent defibrillator insertion (restricted to one payment only) •
      • Permanent pacemaker insertion (restricted to one payment only) •
      • Surgery for cardiac arrhythmia (restricted to one payment only) •
      • Surgical repair of an atrial or ventricular septal defect (restricted to one payment only) •
    • + Severity level A – pays out 100%
      • Bone marrow transplant as a recipient •
      • Heart or heart and lung transplant •
      • Inclusion on an official UK waiting list for the transplantation of a heart, or a heart and lung •
      • Inclusion on an official UK waiting list for the transplantation of a kidney •
      • Inclusion on an official UK waiting list for the transplantation of a liver •
      • Inclusion on an official UK waiting list for the transplantation of a lung, or a heart and lung •
      • Inclusion on an official UK waiting list for the transplantation of a pancreas •
      • Inclusion on an official UK waiting list for the transplantation of bone marrow •
      • Kidney transplant as a recipient •
      • Liver transplant as a recipient •
      • Lung, or heart and lung transplant •
      • Major Organ Transplant - bone marrow, heart, kidney, liver, lung, or pancreas, or inclusion on an official UK waiting list for such a procedure •
      • Pancreas transplant as a recipient •
    • + Severity level A – pays out 100%
      • Cauda Equina •
      • Permanent inability to perform at least 4 out of 6 Functional Activity Tests •
      • Persistent confusional state •
      • Total and permanent disability (nominated occupation) – of specified severity •
      • Total lack of social interaction (ongoing medical treatment from a psychiatrist for more than 2 years, AND more than 2 in-patient admissions, each greater than one week, AND total lack of social interaction of any kind, AND the permanent inability to carry out all of the following: answering the telephone; holding a face-to-face conversation for at least five minutes; travelling fifty metres outside using all available aids.) •
    • + Severity level C – pays out 50%
      • Permanent inability to perform at least 2 out of 6 Functional Activity Tests • •
    • + Severity level A – pays out 100%
      • Cor pulmonale •
      • Fibrotic lung disease with a transfer factor (or diffusing capacity) for carbon monoxide (Dco) of 34% of predicted or less •
      • Primary pulmonary hypertension •
    • + Severity level C – pays out 50%
      • Chronic obstructive pulmonary disease (stage IV ) •
      • Fibrotic lung disease with a transfer factor (or diffusing capacity) for carbon monoxide (Dco) of between 35% and 39% of predicted •
      • Home oxygen therapy •
      • Removal of two or more lobes of the lungs •
    • + Severity level D – pays out 25%
      • Chronic obstructive pulmonary disease (stage III) •
      • Fibrotic Lung Disease with a Transfer factor (or Diffusing Capacity) for carbon monoxide (Dco) of between 40% and 49% of predicted •
      • Removal of one lobe of the lungs •
    • + Severity level E – pays out 15%
      • Pleurectomy •
      • Pulmonary embolus •
      • Surgical drainage of a lung abscess •
      • Surgical drainage of empyema •
    • + Severity level F – pays out 10%
      • Fibrotic lung disease with a transfer factor (or diffusing capacity) for carbon monoxide (Dco) of between 50% and 55% of predicted •
      • Mechanical ventilatory support for near drowning •
    • + Severity level A – pays out 100%
      • Alzheimer's disease causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests •
      • Any neurological disease causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests •
      • Benign brain tumour causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests •
      • Coma causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests •
      • Creutzfeldt-Jakob disease causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests •
      • Dementia causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests •
      • Encephalitis causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests •
      • Loss of manual dexterity •
      • Loss of muscle power resulting in the inability to grip •
      • Loss of speech – resulting in permanent symptoms •
      • Motor neurone disease causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests •
      • Multiple Sclerosis causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests •
      • Muscular Dystrophy causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests •
      • Paralysis of limbs – total and irreversible • •
      • Parkinson's disease causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests •
      • Persistent vegetative state •
      • Progressive Supra-nuclear palsy causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests •
      • Stroke with a residual deficit measuring 4 or above on the Modified Rankin Scale •
      • Traumatic head injury causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests •
    • + Severity level B – pays out 75%
      • Alzheimer's disease causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests •
      • Any neurological disease causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests •
      • Benign brain tumour causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests •
      • Bilateral hemianopia •
      • Coma causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests •
      • Creutzfeldt-Jakob disease causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests •
      • Dementia causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests •
      • Encephalitis causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests •
      • Guillain-Barre Syndrome •
      • Motor neurone disease causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests •
      • Multiple Sclerosis causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests •
      • Muscular Dystrophy causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests •
      • Parkinson's disease causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests •
      • Progressive Supra-nuclear palsy causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests •
      • Stroke with a residual deficit measuring at least 3 on the Modified Rankin Scale •
      • Traumatic head injury causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests •
    • + Severity level C – pays out 50%
      • Alzheimer's disease causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests •
      • Any neurological disease causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests •
      • Benign brain tumour causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests •
      • Coma causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests •
      • Creutzfeldt-Jakob disease causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests •
      • Dementia causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests •
      • Encephalitis causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests •
      • Motor neurone disease causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests •
      • Multiple Sclerosis causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests •
      • Muscular Dystrophy causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests •
      • Parkinson's disease causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests •
      • Progressive Supra-nuclear palsy causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests •
      • Stroke with a residual deficit measuring at least 2 on the Modified Rankin Scale •
      • Surgery for drug resistant epilepsy •
      • Traumatic head injury causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests •
    • + Severity level D – pays out 25%
      • Alzheimer’s disease – resulting in permanent symptom • •
      • Benign brain tumour – resulting in permanent symptoms • •
      • Coma – resulting in permanent symptoms • •
      • Craniotomy •
      • Craniotomy to treat a cerebral arteriovenous malformation •
      • Creutzfeldt-Jakob disease •
      • Dementia •
      • Drainage of brain abscess by craniotomy •
      • Encephalitis •
      • Functional surgery for movement disorders •
      • Motor neurone disease – resulting in permanent symptoms • •
      • Multiple Sclerosis – with persisting symptoms •
      • Muscular Dystrophy •
      • Parkinson’s disease – resulting in permanent symptoms • •
      • Progressive Supra-nuclear palsy •
      • Shunt insertion for hydrocephalus (restricted to one payment only) •
      • Spinal Tumour •
      • Stroke – resulting in permanent symptoms •
      • Traumatic head injury – resulting in permanent symptoms • •
    • + Severity level E – pays out 15%
      • Endovascular treatment of a cerebral arteriovenous malformation •
      • Surgical repair of depressed skull fracture •
    • + Severity level F – pays out 10%
      • Bacterial meningitis •
      • Stereotactic brain surgery •

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PruHealth is a trading name of Prudential Health Limited and Prudential Health Services Limited. Registered numbers 5051523 and 5933141 respectively. PruProtect is a trading name of Prudential Health Services Limited and Prudential is a trading name of Prudential Assurance Company, registered number 15454. The Prudential Assurance Company Limited provides and manufactures benefits under the PruProtect plan. Prudential Health Limited provides and manufactures benefits under the PruHealth plan. Prudential Health Services Limited distributes and services all PruHealth and PruProtect products and issues the documentation. Companies registered in England and Wales. Registered offices at Laurence Pountney Hill, London EC4R 0HH. All companies authorised and regulated by the Financial Services Authority. The companies are not affiliated in any manner with Prudential Financial, Inc, a company whose principal place of business is in the United States of America.