Related links
- Conditions covered
- Plan Provisions (PruProtect Plan)
- Plan Provisions (Essentials Plan)
- Severity payments
- PruProtect Overview brochure
- Minimum Protected Account sales aid
Serious Illness Cover
Get more from our 5-star rated Serious Illness Cover with the PruProtect Plan.
More conditions covered so you’re more likely to get a payout
While traditional critical illness policies cover an average of 34 conditions, our Comprehensive Plan covers 154 and our Primary Plan covers 93. So you’ll be covered for serious illnesses and partial disabilities, not just critical ones.
More cover at an earlier stage, so you get paid sooner
The amount we pay to you is based on the severity of the illness and its impact on your lifestyle. This means we can make a payout to you at an earlier stage of your illness, even if it’s not life-threatening.
More cover if you need to claim again
If you don’t claim your full sum assured your remaining cover will continue, allowing you to make further claims. So if your illness progresses or you’re diagnosed with a new illness you could receive another payout. Traditional critical illness policies pay out once and then end, leaving you unprotected.
More reassurance with continuous cover
Our unique Minimum Protection Account option tops up your Life or Serious Illness Cover immediately after a claim, with no further underwriting, exclusions or premium increases.
More rewards with our health and wellbeing partners
You get automatic membership to our unique Vitality programme which encourages you to get healthier by giving you discounts and rewards on a wide range of services currently including gyms, health screens, health resorts, cinemas and holidays.
Plus reduce your premiums every year*
We’re the only insurer that can reward you with lower premiums each year, without reducing your cover, if you look after your health with our Vitality programme.
*Not available with the Essentials Plan
The need for Serious Illness Cover
Thanks to early detection and improved treatments, what were once life-threatening illnesses can now often be managed by medical experts and patients so that even with a chronic condition you can still live a long and fulfilling life. However, without the right financial support the stress of suffering a serious illness could be compounded by concerns over how to pay the mortgage, bills or even the treatment itself.
Why do customers need protection?
- More than 15 million people in England have a chronic or long-term disease ranging from asthma to heart-failure.
- One in three people in Britain will have a cancer diagnosed at some time during their life.
- Of those women who are diagnosed with breast cancer, 62% survive five years or more .
- Less than 10% of all strokes are fatal.
- The possibility of surviving a critical illness before age 65 is almost twice as great as dying.
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 | The total combined Serious Illness Cover and Disability Cover from us cannot exceed £1,000,000* |
| Min entry age next birthday | 17 |
| Max entry age next birthday | 65 |
| Max expiry age/date (not applicable to whole of life) | Age 70 exactly |
* The total combined Serious Illness Cover and Disability Cover from us or any other provider cannot exceed £2,000,000
A summary of our Primary and Comprehensive Cover
| PruProtect Essentials Plan | PruProtect Plan | |
|---|---|---|
| Type of Serious Illness Cover available | Primary / Comprehensive | Primary / Comprehensive |
| Number of conditions covered | 93/154 | 93/154 |
| Severity levelscovered | A-D / A-F | A-D / A-F |
| Up to £25,000 Serious Illness Cover for Children automatically included |  |  |
| Ability to choose optional Serious Illness Cover for Children | | |
| Guaranteed insurability options | None | - Marriage - Childbirth - Mortgage increase |
| Free cover whilst you wait for your mortgage to be accepted | | |
| Opportunity to receive premium discounts each year based on your Vitality status | | |
| Mortgage interest rate for decreasing plans | 7% | 10% |
