• Conditions Covered
• Severity Payments
• Minimum Protected Account
• Serious Illness Cover for children
• Vitality
• Life Cover
• Income Protection Cover
• Optional benefits

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 39 conditions, our Comprehensive Plan covers 161 and our Primary Plan covers 100. 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.

With PruProtect, you get more than just cover

Our healthy living programme, Vitality*, helps you to live life well - and save money at the same time. When you use Vitality to get healthy, we give you money off your premiums. You could even earn rewards too. The more you take part, the more you get back.

And because you can make the most of Vitality from day one, you always get something back from your cover – even if you never make a claim. We’re the only protection insurer to do anything like this.

* Premiums are not reduced for Health Cover, Vitality Plus, Busines s Protection and does not apply to the Essentials Plan.

+Explaining our severity payments approach

Take a look at how severity based payouts work and why it makes sense. Traditional critical illness policies will only make a payout for blindness if you suffer “permanent and irreversible loss of sight, to the extent that when tested with visual aids, vision is measured at 3/60 or worse in the better eye using a Snellen eye chart (ABI definition).” But what if you were to suffer a less severe form of blindness such as central blindness? Or central vision?  Both of these examples are likely to have an impact on your working life and your lifestyle. Our approach of paying out based on a sliding scale of severity means that you would receive a 15% payout for tunnel vision (through our Comprehensive Plan), a 25% payout for central blindness and a 100% payout if you suffered total and permanent blindness. So the key thing to remember here is that an illness does not have to be critical for you to receive a payout.  At PruProtect we pay out for less severe illnesses as well as life threatening ones. Condition Severity level* PruProtect payout Would you be covered under a traditional policy? Blindness (permanent and irreversible) or severe visual impairment A 100% Significant visual impairment C 50% Central blindness D 25% Tunnel vision, blindness in one eye or surgical removal of one eye E 15% Surgical repair of detached retina F 10%                                                                                            * Levels A-D available on the Primary Plan All Levels available on the Comprehensive Plan

+A summary of our Primary and Comprehensive Cover
Primary Comprehensive Number of conditions covered 100 161 Severity level A - pays 100% of the benefit Severity level B - pays 75% of the benefit Severity level C - pays 50% of the benefit Severity level D - pays 25% of the benefit Severity level E - pays 15% of the benefit Severity level F - pays 10% of the benefit

Important policy information:

• If you stop paying premiums, your cover stops too
• Your plan does not have any cash value at any time
• We may cancel your plan if you:
  • Make any untrue statements to us, or
  • Act fraudulently in any other way
• If there are government law changes it may affect how we calculate your premiums