Serious Illness Cover
You're up to twice as likely to get a payout from our Serious Illness Cover1 than you are from a typical critical illness policy
Our award-winning Serious Illness Cover helps protect you from the financial impact that a serious illness can have on your life. You can choose between our Primary Serious Illness Cover - which covers 102 conditions - and our Comprehensive Serious Illness Cover, which covers 166 conditions. If you’re diagnosed with one of the conditions we cover, we pay you a cash lump sum. The amount we pay you is based on the severity of your condition.
How Serious Illness Cover works.
For most conditions, a typical critical illness policy would give you a payout for your full cover amount, or nothing at all. This can leave you with nothing to help you cope with an illness that's having an impact on your life. We pay out differently. We give you a percentage of your cover amount depending on how severe your condition is. This means we're able to pay out on a wider range of illnesses - not just the debilitating or life-threatening ones covered by typical critical illness policies.
If you make a claim for a condition that pays out part of your cover amount, we keep covering you for the remaining amount. So if your condition gets worse, or you're diagnosed with a more severe condition, you can claim again. You can do this until you've used up your whole cover amount
Why you're more likely to get a payout with our Serious Illness Cover
We cover more conditions than other insurers. We also cover earlier stages of certain conditions - in some cases, we make partial payouts when you're diagnosed, rather than waiting until you have surgery or develop permanent symptoms. Together, these things mean you are more likely to get a pay out with our cover, than with a typical critical illness policy. Explore the conditions we cover
Explore our Serious Illness Cover in further detail:
- Estimates are based on Hannover Re UK Life Branch's interpretation of the general population incidence rates and their estimated view of future trends. Incidence rates for the entire population may be different to those lives that take out life insurance products.
- The typical critical illness product is a comprehensive one and covers most conditions seen in the market
- PruProtect estimates are based on the PruProtect Plan with Comprehensive SIC
- Estimates are based on the likelihood of making a claim before age 65.
Or call us 0845 601 0072and we'll put you in touch with a Financial AdviserLines are open Monday to Thursday, 8.30am to 6.00pm
and Friday, 8:30am - 5:00pm