Additional benefits and options

What is Family Income Cover?

Family Income Cover helps you look after your family's living costs if something happens to you. You can take it out alongside Life Cover, Serious Illness Cover or Income Protection. There are two levels of cover to choose from: Primary Cover, or Comprehensive Cover, which comes with some extras.

Get more protection with our Family Income Cover

• If you die, Family Income Cover pays your family a guaranteed monthly income. You can also choose to be covered in case you fall seriously ill.
• If you choose Comprehensive Cover, our Spend Protector also pays your family’s bills in the first year, up to a maximum amount.
• If you have Primary Cover, we'll pay your family a £1,000 lump sum towards funeral costs. For Comprehensive Cover, we'll pay £2,000.
• If you've got a PruProtect Plan and you choose cover that will pay out if you fall seriously ill, we'll give you free Serious Illness Cover for your children, too.
• We pay for a guaranteed minimum period of up to ten years.
• You can increase your cover in line with rising living costs.
• If you have the PruProtect Plan our Guaranteed Insurability Benefit means you can increase your cover without more underwriting if you get married, have a child or increase your mortgage.
• And if you have the PruProtect Plan we could reward you with reduced premiums each year*.
• 
  * Premiums are not reduced for Health Cover or Vitality Plus. Also premium discounts do not apply to the Essentials Plan.

Fast facts

Paid on death/terminal illness
Min term	5 years
Max term	Reviewable premiums 60 years Guaranteed premiums 50 years
Min sum assured	£250 each month subject to minimum premium
Max sum assured	The monthly equivalent that will lead to a total payout of up to £10,000,000
Min entry age next birthday	17
Max entry age next birthday	75
Max expiry age/date	Age 80 exactly

                                                         

Paid on death/terminal illness/serious illness
Min term	5 years
Max term	Reviewable premiums 50 years Guaranteed premiums 40 years
Min sum assured	£250 each month subject to minimum premium
Max sum assured	The monthly equivalent that will lead to a total payout of up to £2,000,000. Includes any Serious Illness Cover/Disability Cover
Min entry age next birthday	17
Max entry age next birthday	65
Max expiry age/date	Age 70 exactly

Related links

• Family Income Cover client brochure

What is Education Cover?

Education Cover is designed to make sure that your children don't have to miss out on any part of school life, even if something happens to you. If you die we'll pay a range of benefits for each child on your plan, to help cover the costs of their education. You can even choose cover that will pay if you become seriously ill.

Get more protection with our Education Cover

• We give your family £750 each term to cover school costs like uniforms, books and school trips.
• We pay a £1,000 Star Award if your child excels at an activity.
• We pay the fees if your child goes on to further or higher education. There's a maximum, currently £9,000 each year. If the Government increases tuition fees, this maximum will go up too.
• Even if your child doesn't go on to further or higher education, we'll still support them after they turn 18 by paying them £3,000 a year for three years.
• If you choose our Private School option, we'll even pay private school fees. You can choose to cover day fees or boarding fees. We'll pay up to a maximum of £10,921 per term per child.
• We make sure your benefits increase in line with rising school costs.
• We'll give your family a one-off School Absence Benefit of £1000 if one of your children covered falls ill and is hospitalised for more than 10 days while we're paying Education Cover, or if they miss more than 20 consecutive days of school.
• Plus, if you have the PruProtect Plan we could reward you with reduced premiums each year*.
• 
  * Premiums are not reduced for Health Cover or Vitality Plus. Also premium discounts do not apply to the Essentials Plan.

Fast facts

Paid on death/terminal illness
Min - Max term	Available for a child, 18 years or younger at entry
Min entry age next birthday	17
Max entry age next birthday	75
Max expiry age/date	Age 80 exactly

   

Paid on death/terminal illness/serious illness
Min - Max term	Available for a child, 18 years or younger at entry
Min entry age next birthday	17
Max entry age next birthday	65
Max expiry age/date	Age 70 exactly

Related links

• Education Cover client brochure

What is Health Cover?

Health Cover is designed to cover the cost of surgery, medical specialists, accommodation and nursing, either at a private hospital or in the private ward of an NHS hospital.

Get the treatment you need, when you need it

If you have one or more of our three core covers – Life Cover, Serious Illness Cover and Income Protection Cover – you can add Health Cover to your Plan too. Health Cover:

• Pays for the cost of private medical treatment for a wide range of acute conditions – everything from day-to-day treatment, to seeing a specialist, to having operations.
• Lets you choose from three levels of cover, depending on what you can afford and what worries you most.
• Costs less than buying separate Health Cover plus other protection cover from us - one application, one direct debit, one number to call – and a lower premium.
• Gives you extensive coverage - You'll have access to some of the best private hospitals in the UK, as well as access to over 7,000 experienced and skilled medical professionals.
• Offers a no claims discount - every year that you don't claim under your Health Cover, you'll get a discount on your Health Cover premiums when you renew your cover – up to a maximum of 35%. Each year you make a claim, this discount will decrease.

Related links

• Health Cover |
• Health Cover Optimiser–how it works |
• Compare our levels of cover |
• Your choice of hospital | Anniversary rewards | How to make a claim

What is Disability Cover?

Disability Cover provides you with a lump sum if you suffer from up to 65 conditions or illnesses leading to disability.

Get more protection with our Disability Cover

• Permanent Disability Cover is included as part of our Serious Illness Cover, however additional cover can be taken.
• You can receive a payout for either temporary or permanent disability.
• With the choice of three different levels of cover you can choose how extensive you want your cover to be.
• Disability Cover is not affected by claims made for Life or Serious Illness Cover.
• We offer guaranteed and reviewable premium rates for this type of cover.

Fast facts

Min term	5 years
Max term	Reviewable premiums 50 years Guaranteed premiums 30 years
Min sum assured	£10,000 subject to minimum premium
Max sum assured	£500,000. In addition, the total combined Serious Illness Cover and Disability Cover from us cannot exceed £2,000,000
Min entry age next birthday	17
Max entry age next birthday	60
Max expiry age/date (not applicable to whole of life)	Age 70 exactly

What is Optional Serious Illness Cover for Children

Optional Serious Illness Cover for Children pays a lump sum if your child suffers a serious illness.

Get more protection with our Optional Serious Illness Cover for Children

• With the PruProtect Plan Serious Illness Cover automatically includes up to £25,000 cover for each child but with our Optional Serious Illness Cover for Children you can increase this cover even further. (Please note that automatic Serious Illness Cover for Children is not included on the Essentials Plan).
• You can receive up to £100,000 extra cover for each child.
• We provide cover for children from the age of 3 months to 19 years.
• You can choose from either the Primary or Comprehensive level of Serious Illness Cover for Children.

Fast facts

Min sum assured	£10,000 subject to minimum premium
Max sum assured	£100,000
Min entry age next birthday	3 months exactly
Max entry age next birthday	17
Max expiry age/date (not applicable to whole of life)	Plan anniversary before the 19th birthday

What is Minimum Protected Account

Available for an extra premium, this option can top your cover back up to its original level after a claim, giving you extra reassurance that you'll have more cover in place should you need it again.

Get more protection with our Minimum Protected Account option

• You can choose the amount of your Plan Account that you want to protect – this can be between 25% and 100%.
• By selecting the Minimum Protected Account option you can claim an unlimited number of times for Serious Illness Cover - up to the maximum payout of 3 times the original level of cover or £2 million.
• We will top your cover back up with no further underwriting, no further exclusions and unlike competitor's buy-back options there will be no change to your premium.

Why should you consider this option?

Did you know...

• Half of all heart attacks are repeat attacks.
• 30-43% of people who recover from their first stroke will have another one within 5 years.
• The average ten year cancer survival rate has doubled over the last 30 years.

Fast facts

Min entry age next birthday	17
Max entry age next birthday	65
Max expiry age/date (not applicable to whole of life)	When Serious Illness Cover and Optional Serious Illness Cover for Children have ended

What is the Accelerator?

Some people choose to compromise on the amount of cover they buy to bring the cost within their budget. That means they're not getting the cover they need. Others choose not to get protected at all, preferring to wait until their earnings go up. Accelerator lets you get the cover you need, now - even if your budget is stretched.

Why you should consider this option?

• When you first take out cover, we reduce your premiums by up to 23%. This means you pay less when your budget is stretched.
• After that, your premiums rise by 3% each year to make up for the low start. You can choose for your premiums to increase by 3% each year across the whole term of your policy or increase by 3% for the first ten years, and stay at a fixed amount for the rest of your term.
• You can change to fixed premiums at any time.
• If you've got a PruProtect Plan, Vitality can even keep your premiums low*. If you reach Silver or Gold status in a particular year, your premiums will increase by less than 3% on your next plan anniversary. If you reach Platinum status, your premiums won't increase at all. So, with enough effort, you won't just start paying a lower price – you'll stay paying a lower price. We're the only protection insurer to offer anything like this.

With Accelerator, you may pay more in total across your whole plan than if you choose fixed premiums. But that's because Accelerator allows you to pay much less when money is tight, and increases your premiums when it's more likely you'll be able to afford it.

* Premiums are not reduced for Health Cover or Vitality Plus. Also premium discounts do not apply to the Essentials Plan.

Related links

• Accelerator client brochure

What are Premium Waivers

There are three premium waivers available which can be added to your Plan, to provide you with added security.

Get more protection with our Premium Waivers

Waiver of Premium on Incapacity
With our Waiver of Premium on Incapacity you can choose a deferred period (the period of incapacity before your benefits are paid) of 1, 3, 6 or 12 months.

Waiver of Premium on Death
If you have a joint policy and select the 'Waiver of Premium on Death' option, future premiums for the remaining person will be waived if the insured life dies.

Waiver of Premium on Serious Illness
With our Waiver of Premium on Serious Illness there is no specified waiting period before the premiums are waived if you suffer from a serious illness.

Fast facts

	Waiver of Premium on Death	Waiver of Premium on Serious Illness	Waiver of Premium on Incapacity
Min term	5 years	5 years	5 years
Max term	40 years	30 years	54 years
Min entry age next birthday	17	17	17
Max entry age next birthday	65	60	60
Max expiry age/date (not applicable to whole of life)	Age 75 exactly	Age 70 exactly	Age 70 exactly

What is Indexation?

Indexation allows you to increase your cover (and premium) each year, without further underwriting. This protects the value of your cover against rises in the cost of living, making sure you get the cover you need now and in the future.

Why you should consider this option?

• Indexation provides peace of mind that the purchasing power of your selected cover will not diminish over time due to the effects of inflation.
• This feature becomes increasingly beneficial as people get older and their needs or the likelihood of suffering a serious illness increases – new policies would require underwriting and premiums may have risen.
• Indexation can be added at no extra cost to the covers that are indexed.
• You have the flexibility to decline an invitation to increase your cover without losing the right to further indexation. In fact, we will only remove future indexation once you have declined three consecutive increases.).

Related links

• Indexation client brochure

What is Whole of Life?

Whole of Life ensures your cover lasts for as long as you need it so you can be reassured that no matter what happens in your life, you'll be covered.

Why you should consider this option?

• You can guarantee your loved ones a lump sum when you die.
• You can cover the Inheritance Tax your loved ones might have to pay on your estate. For couples who want to use Whole Of Life cover in this way, we offer a Joint Life Second Death policy. It means that we cover two people, and only pay out the lump sum after both of them have died.
• Even if there's no Inheritance Tax to pay on your estate, the lump sum could help your family in other ways. For instance, it could help towards funeral costs and other immediate expenses.
• If Inheritance Tax rules change or your estate goes up in value, you can increase your cover without having to give us any more information about your health.
• We offer Guaranteed Premiums for our Life Cover, so, you can be sure that your premiums will always stay the same.
• You can take out Whole of Life Serious Illness Cover too. There's no fixed term, so it pays you a lump sum whenever you fall seriously ill. It means you've got cover when you're most likely to make a claim.

Related links

• Whole of Life client brochure

What is Protected Life Cover?

If you have Life Cover as well as Serious Illness Cover, making a Serious Illness Cover claim will normally leave you with a lower amount of Life Cover. So we give you the option to protect your Life Cover. If you choose our Protected Life Cover Option, your Life Cover stays the same, regardless of any Serious Illness Cover claims you make.