Benefits of our Serious Illness Cover

We cover more conditions

With our Serious Illness Cover, the Comprehensive Plan covers 154 conditions, whilst our Primary Plan covers 93. Traditional critical illness policies limit the number of listed illnesses and conditions to around 34, whereas we include a range of common conditions that are unique to our policy.

We could pay out more often

Our Serious Illness Cover pays out based on the severity of your illness. This means you could receive a payment earlier on in your illness, even if it's not life threatening.

You can also make multiple claims, and receive more than one pay out, if your condition gets worse of you suffer a different illness.

Top up your cover after a claim

You can add the Minimum Protection Account feature which tops up your Life or Serious Illness Cover immediately after a Serious Illness Cover claim is paid. And unlike competitors' buy-back options, there is no change to your premium when your cover is topped up, plus no further underwriting is required.

Add extra options to your plan

For added peace of mind and financial security you can choose to include additional options to your policy including Health Cover, Unemployment Cover (provided by St Andrews) and Optional Serious Illness Cover for Children (in addition to what is provided with our PruProtect Plan Serious Illness Cover). You can add or remove these benefits from your Plan at any time to suit your lifestyle.

Add Health Cover or the Health Cover Optimiser to your plan

You can now add Health Cover to your protection plan. This pays for the cost of private medical treatment for a wide range of acute conditions at first class hospitals.

If you have Serious Illness Cover and Health Cover in your plan, you can choose the Health Cover Optimiser too. This lets you choose how we pay you when you have a serious Illness. You can either take the lump sum from your Serious Illness Cover, or take a smaller lump sum and get your private medical treatment paid for.

We reward you for looking after yourself

You get automatic membership to our Vitality programme with Lite Rewards which encourages you to lead a healthier lifestyle by giving you discounts with our Vitality reward partners. Plus you could get a discount on your premium* depending on how much you engage with Vitality.

* If you have the PruProtect Essential Plan you will not receive discounts to your premium at your policy anniversary.

We offer competitive prices

The reason we can offer such comprehensive cover, plus discounts and rewards at a competitive price, is because we help our customers to get healthier, and therefore claim less. It's a win-win situation!