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 covered, get paid a cash lump sum. The amount paid to you is based on the severity of your condition.

VitalityLife Serious Illness Cover at a glance

Vitality 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, they 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 Comprehensive Serious Illness Cover they pay out sooner for some neurological conditions, even if you don’t have permanent symptoms

A choice of cover – choose between Primary Serious Illness Cover – which covers 102 conditions – and 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.


Get between 5% and 40% discount on your protection premiums  


Keep your premiums low in future years by looking after your health


Get access to Exclusive Vitality Rewards and Benefits  

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 the 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 – 5:30pm, Monday to Friday. Calls may be recorded and monitored to improve customer services. Calls to this number are FREE.

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