Our award-winning Serious Illness Cover helps protect you from the financial impact that a serious illness can have on your life. If you’re diagnosed with one of the conditions we cover, we pay you a cash lump sum. The amount we pay you is based on the severity of your condition. .

VitalityLife Serious Illness Cover at a glance
  • We cover more – we cover more illnesses than a typical critical illness policy, conditions when they’re less severe – so you can get the help you need – when you need it, all heart attacks and all strokes (if a doctor tells you you’ve had a heart attack or a stroke, we pay out), and some early stage cancers not covered by other insurers. Together, these things mean you are up to twice as likely to get a payout than you are from a typical critical illness policy
  • Claim more than once – claim more than once and with our Comprehensive Serious Illness Cover we pay out sooner for some neurological conditions, even if you don’t have permanent symptoms
  • A choice of cover – choose between our Primary Serious Illness Cover – which covers 102 conditions – and our Comprehensive Serious Illness Cover – which covers 166 conditions
Why not add Vitality Optimiser

Not all life insurance is the same. VitalityLife customers enjoy 5-star Defaqto rated protection with exclusive access to a wide range of discounts and rewards they can enjoy today.


Vitality Optimiser can be added for a small additional monthly fee. This fee is subject to change. To find out about these charges please read our reward terms and conditions. The gym discount applies to flexible individual monthly memberships. Gym joining fees are up to £50 for all clubs other than Classic Collection clubs, where joining fees are up to £150. The gym offer does not apply to Chiswick Riverside Virgin Active club. The cinema offer applies at Vue and Cineworld with a maximum of one ticket per week per person covered on the plan. The cinema offer excludes 3D films.

Got a Question?

Call a Health-Reward adviser now on 
0800 881 5666
Lines are open 9am – 8:30pm, Monday to Friday. Calls may be recorded and monitored to improve customer services. Calls to this number are FREE.