Good reasons to buy


You may be eligible for cover for up to £350,000 depending on your age


Children’s Benefit included at no extra cost 


Available as an add-on to Life Insurance at additional cost

What's covered and when it pays out

The six serious illnesses are defined below (see our serious illness definition of what we cover). We’ve also included a simple description to help you better understand each condition. This additional information doesn’t change or replace the medical definition that has to be met.

To be clear, we won’t pay all claims if you’re diagnosed with one of these conditions. We don’t do this to try and avoid paying claims. However, we know from experience that whether you can work or carry on with your life as normal depends on how serious your condition is. Our policy is designed to pay out if you meet our serious illness definitions and survive for 30 days. But not if you get a less severe version of the serious illnesses we cover.

You may however be able to get cover elsewhere for more illnesses or a payout at an earlier stage of an illness but that cover is likely to cost you more money each month.

Serious Illnesses that we cover

Illness - Cancer


But not early stage cases. The term cancer includes leukaemia, lymphoma and sarcoma

Find out more about the conditions we cover  about Cancer
Illness - Heart attack

Heart attack

When your heart becomes less efficient as a pump

Find out more about when you are covered  about Heart attack


Causes permanent damage to your nervous system

Find out more about when you are covered  about Stroke
Benign brain tumour

Benign brain tumour

Requiring treatment or causing permanent damage to your nervous system

Find out more about when you are covered  about Benign brain tumour


Resulting in permanent symptoms

Find out more about when you are covered  about Dementia

Children’s Benefit

You always want what’s best for your child – so it’s hard to imagine your child falling ill. Our aim is to make that difficult time a little easier.

Children's Benefit provides cover for your children from age 30 days old for the same six conditions defined by Serious Illness Benefit. It pays out 25% of the Serious Illness Benefit payout up to a maximum of £25,000. It gives you that extra bit of leeway to take time off work and care for them.

You can make one Children’s Benefit claim per child, per policy. And doing so doesn’t affect your own Serious Illness Benefit payout. That cover will continue as you make your regular monthly payments.

Frequently asked questions

If you can't work because of a serious illness, what would you do for money, if your savings won't see you through? You may not have an employee benefits package to cover a longer time off work due to an illness. And state benefits may not be enough to replace your income.

Our Serious Illness Benefit will make a one-off payout if you develop an illness that meets one of the six serious illness definitions and survive for 30 days. This can help pay for your mortgage, rent, debts, or alterations to your home, such as wheelchair access, should you need it.

And that means a bit of breathing room – so you can focus on getting better.

The aim is to have enough so that you or your family can keep living the life you love, if you were to develop a serious illness.

How much Serious Illness Benefit you'll need depends on how much you owe, as well as how much money you have going out of the household. It's a good idea to sit down and add all this up. Here are some of the areas you might want to think about:

  • How much mortgage do you have to pay?
  • Do you have any other debts?
  • How much your family will need to live on and pay the bills
  • Take away your savings and other assets which you may want to hang onto
  • And subtract any state benefits you get at the moment, or any you may receive in the future

Once you have worked this out, you'll have a pretty good idea of what sort of amount you'll need. Of course, it all depends on what you can afford. But we think having some Serious Illness Benefit is better than having none at all.

Serious Illness Benefit is an option that you can add for an additional cost when you take out a Life Insurance policy. You can’t hold it on its own or choose to add it at a later date.

You choose the amount of cover you want and this will always be paid as a lump sum. You can have up to £350,000 of cover dependant on your age. The amount of cover stays the same whilst you are covered – which is the same length of time as the Life Insurance policy.

  • under 45 years old, up to £350,000
  • 45 to 49 years old, up to £275,000
  • over 49 years old, up to £125,000

If a successful claim is made Serious Illness Benefit will end (including Children’s Benefit) – but your Life Insurance will continue, and you’ll carry on making monthly payments. However, your monthly payments will reduce as you’ll no longer be paying for Serious Illness Benefit.

You cannot make any changes to Serious Illness Benefit whilst you are covered but you can choose to remove the option from the Life Insurance policy altogether.

Our Serious Illness Benefit option could help ease the financial burden on you and your loved ones at a difficult time, when you may not be able to work. This insurance is simple and affordable, and pays out if while you are covered, you have one of six serious illnesses covered that meets our definition and survive for 30 days.

Essentially, they do the same thing – both protect you in case you fall ill. But they define illnesses differently, and that can sometimes mean different payouts, too. It really depends on your needs. So it’s always a good idea to make sure you’re clear on what’s covered.

We can keep the cost down by covering only the six most commonly claimed serious illnesses. And we designed it to pay out when you need it most. Other policies cover more illnesses or pay out earlier – but these can cost you a great deal more a month.

You can remove Serious Illness Benefit from your Life Insurance policy but you cannot change the amount of Serious Illness Benefit. If you cancel your Life Insurance policy with us, the Serious Illness Benefit will also be cancelled.

No, once we’ve paid your claim for a serious illness your Serious Illness Benefit (including Children’s Benefit) will stop. The rest of your policy will continue and your future monthly payments will be reduced as you won’t be paying for your Serious Illness Benefit. As long as you keep paying, your life insurance policy will stay in place for the duration of your policy.

No, it doesn’t affect your Serious Illness Benefit. We’ll only pay one claim per child per policy, your Children’s Benefit will continue for any other children covered by the same policy.

No, your Serious Illness Benefit is separate and will not be deducted from your Life Insurance payout.

Looking for cover for more illnesses?

We also offer comprehensive Critical Illness Cover, available through an independent financial adviser. This includes cover for 60 critical illnesses and the option to include Children’s Critical Illness Cover, which is available for an extra charge.

These plans come with practical and emotional support during difficult times, through our Helping Hand service. 

Find out more

Useful info

Making a claim

Important Documents and Guides

Policy summary

Terms and conditions

Ring our UK team

0800 085 4201

Free from UK landlines and mobiles 

Mon to Fri: 8am–7pm, 

Sat: 9am–5pm, 

Sun: 10am–4pm