Benefits of our Serious Illness Cover

We cover more conditions

With our Serious Illness Cover, the Comprehensive Plan covers 161 conditions, whilst our Primary Plan covers 100. Traditional critical illness policies limit the number of listed illnesses and conditions to around 35, 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 payout, if your condition gets worse or 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, Family Income Cover, Education Cover, Unemployment Cover and Optional Serious Illness Cover for Children. You can add or remove these options 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 private 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.

Look after your health with Vitality

We want you to live life well. And we're here to help you do it. Our plans come with Vitality, a healthy living programme. Vitality helps you get healthier and saves you money at the same time. We give you money off things that are good for you like health screens, gym membership and stop-smoking sessions. And to keep you motivated, we give you rewards, with discounts off everything from theatre tickets to cruises. You could even get discounts off your premiums.

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!