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You would think that Serious Illness Cover and Critical Illness Cover are one and the same. Confusingly they are different products and in this article we will try and offer a clear breakdown of the difference between the two products.

Serious Illness Cover (VitalityLife Plan) Critical Illness Cover
Maximum benefit:
  • £3,000,000
Maximum benefit:
  • £3,000,000
Age group:
  • 16
Age group:
  • 16-18
Minimum monthly premium:
  • £10
Minimum monthly premium:
  • £5-£6
Offered by:
  • VitalityLife
Offered by:
  • Aegon Scottish Equitable
  • AIG
  • Aviva
  • Friends Life
  • Legal & General
  • Liverpool Victoria
  • Zurich
Amount of illnesses covered:
  • 102 primary
  • 166 comprehensive
Amount of illnesses covered on a standard contract:
  • 41-59
Core illnesses that are covered on a standard contract:
  • 22 Association of British Insurers conditions, including but not limited to:
    • Cancer
    • Heart Attack
    • Stroke
Core illnesses that are covered on a standard contract:
  • 22-23 Association of British Insurers conditions, including but not limited to:
    • Cancer
    • Heart Attack
    • Stroke
ABI+ conditions on the standard contract:
  • 18
ABI+ conditions on the standard contract:
  • 15-19
Partial payments:
  • 102 primary
  • 166 comprehensive
  • 5%-75% of the sum assured
  • Claims made reduce the sum assured
Partial payments:
  • 40-59
  • 12.5-25% of the sum assured or a maximum of £12,500-£25,000
Childrens cover:
  • 50% sum assured to maximum of £25,000
  • Option to include £100,000 per child
Childrens cover:
  • 50% sum assured to maximum of £25,000
Typical exclusions:
  • Alcohol or drug abuse
  • Failure to follow medical advice
Typical exclusions on a standard contract:
  • Alcohol or drug abuse
  • Failure to follow medical advice
  • Intentional self-inflicted injury
  • Suicide within the first 12 months

The details provided in this table are a summary of the Serious Illness Cover and Critical Illness Cover plan that are available in the market today. It should not be taken as a definitive guide as to the full policy conditions. Please see your policy documents, policy conditions booklet and key features document for full details of your insurance plan.

If you are interested in a Serious Illness Cover or Critical Illness Cover plan please feel free to use our online quotation form here or alternatively speak to one of our industry-trained insurance advisors on 0800 567 7450.

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Please feel free to request a quote from us using our online form. As a broker we search a fair analysis of the whole market and will always take your specific risks and concerns into account. For this reason we do not currently offer prices online but will always do our best to reply to you by email, text or phone as soon as possible.

The more information that you can provide us about your health conditions, hobbies, travel and/or occupation the better as this will help us to provide the most accurate indications of price.

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