Serious Illness Cover vs Critical Illness Cover

Request a Callback

By clicking on submit I / We give consent for you  to call me / us on the number provided to discuss my / our financial requirements.

Serious Illness Cover vs Critical Illness CoverYou 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.

Client Reviews

Serious Illness Cover vs Critical Illness Cover

Talk to a Friendly Adviser

Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Get a Quote

Please feel free to request a quote from us using our online form. The more information that you can provide us about your health conditions, hobbies, travel and/or occupation, the more accurate indications of price we’ll be able to give you.

What We Offer?

  • Experienced and knowledgeable advisers
  • Specialist advice with no fees to pay
  • Full assistance with all of your paperwork
  • Put your policy into trust at no cost
  • A dedicated insurance adviser for you

Guides & News

Here’s our latest guides, musings, charity work, podcast, awards and industry updates. There’s a lot going on!

Our Recent Awards

Serious Illness Cover vs Critical Illness Cover
Serious Illness Cover vs Critical Illness Cover
Serious Illness Cover vs Critical Illness Cover
Serious Illness Cover vs Critical Illness Cover
Serious Illness Cover vs Critical Illness Cover