Award-winning life insurance
If the worst should happen, or you can’t work because of illness or injury, our 5-star Defaqto award-winning range of protection products will give you or your family payments to make things easier.
Five-star rated Serious Illness Cover
Critical illness can strike at any time. 1 in 2 people in the UK will develop some form of cancer during their lives1, every 7 minutes someone will have a heart attack and every 12 minutes someone will have a stroke.
Serious Illness Booster
Increase the amount of cover we payout beyond 100%.
Get extra help for the long term effects of serious illness.
Up to 40% off life insurance
Our 5-star award-winning protection just got cheaper!
Get a discount of up to 40% off your monthly premiums when you take out a life insurance policy with Wellness Optimiser. Minimum premiums and T&Cs apply.
Explore our Serious Illness Cover
Frequently Asked Questions
How do severity-based payments work?
We pay out on the severity of your illness or disability meaning that you could receive a payout at an earlier stage or your illness, even if it’s not life threatening. There are seven levels of severity to determine how much money gets paid out when you need to make a claim.
Can I add children to my Serious Illness Cover?
Yes, you can choose a cover amount of between £20,000 and £100,000 for your children. If your child is diagnosed with one of the illnesses we cover, we give you a cash lump sum.
What illnesses are covered?
You can choose between Comprehensive Serious Illness Cover that covers you for 178 conditions or Primary Serious Illness Cover which covers you for 145 conditions. The typical critical illness policy only covers you for around 48 conditions. Have a look at all the conditions we cover including heart attacks, strokes and diabetes.
Am I covered for heart attacks or stroke?
We define medical conditions in the same way as the medical profession. So, if your consultant or doctor diagnoses that you’ve had a heart attack or stroke, we pay out. The amount we pay depends on the severity of your condition, which means we can cover all types of heart attack and strokes.