You can choose a cover amount of between £15,000 and £100,000 for your children. If your child gets diagnosed with one of the illnesses we cover, we give you a cash lump sum. Your child is covered from one month old. If they stay in full-time education. We’ll cover them until the plan anniversary after their 23rd birthday. Your cover will include a children's hospital benefit that pays £100 a day if your child goes to hospital.

Life insurance pays a lump sum to your loved ones if you die or develop a terminal illness.

With serious illness cover, if you’re diagnosed with an illness we cover, the payment goes to you.

Most insurers will pay out 100% of the cover amount and then stop your plan. So if you need to claim again, you're not covered. It could be expensive – or impossible – for you to buy the same amount of cover again.

Even after you make a claim, our plans can protect you because we let you claim more than once. You won't get your whole lump sum if you don’t need it. So, if you claim for a condition that’s less severe, we pay out part of the cover amount for that condition. This leaves you the rest to keep protected in the future. 

• Advanced Cancer
• Advanced Chronic lymphocytic leukaemia
• Advanced Hodgkin’s disease
• Advanced Non-Hodgkin’s lymphoma
• Borderline Ovarian Cancer
• Cancer excluding less advanced cases
• Carcinoma in-situ
• Carcinoma in-situ - treated with surgery to remove the tumour
• Carcinoma in-situ of the Oesophagus, requiring surgery
• Desmoid-type fibromatosis
• Low Grade Prostate Cancer
• Lumpectomy for Ductal Carcinoma in-situ of the Breast
• Mastectomy for Carcinoma in-situ of the Breast
• Moderately Severe Aplastic Anaemia
• Multiple Myeloma
• Myelodysplasia
• Non Melanoma Skin Cancer
• Squamous Cell and Basal Cell Carcinomas of specified severity
• Severe Aplastic Anaemia

See all conditions covered – apply Vitality literature

• You’re more likely to get a payout
• Peace of mind for you and your family if you become ill
• Claim more than once

There's no 'one size fits all' for what a good amount of cover is. The amount of serious illness cover you will need depends on many variables. Consider things like:

• How much you and your family need to get by
• Mortgage payments
• Any savings you already have
• Any ongoing debts

It’s because serious illness cover covers all other conditions in the market (Defaqto 2019).

Serious illness cover, covers early stages of certain conditions. In some cases, you will get a partial payout when you are diagnosed. This means you don't need to wait until you have surgery or develop permanent symptoms to get a payout.

Critical illness cover pays out for a smaller number of conditions, and will end once the plan has paid out in full.

Serious illness cover pays out an amount based on the severity of the condition. It covers a wider number of conditions and can pay out earlier than Critical illness cover.

Take eyesight for example. Critical Illness insurers will typically pay out in full on blindness in both eyes, and the plan will end. Serious illness cover will pay out part of the cover earlier on for blindness in one eye. We'll increase your payout as the condition progresses.