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SERIOUS ILLNESS COVER
More Than Critical Illness Cover
Covering more than your typical 'Critical Illness' policy, our Serious Illness cover gives you peace of mind should you ever find yourself affected with one of up to 174 severe health conditions. This type of health insurance policy pays out a tax-free lump sum upon diagnosis and if you're unlucky enough to suffer from more than one covered condition, you can also claim again.
Serious Illness cover can give you extra peace of mind when you need it the most. Depending on the severity of your condition, you may choose to use your tax-free lump sum payment to take some time off work, pay off your debts or pay for private or complementary medical treatment.
Serious illness cover is unique in the market and pays out earlier than critical illness policies. If you're diagnosed with a serious illness, you need financial support right away and shouldn't have to wait until it becomes critical. Your policy will cover critical conditions as well.
Castlegate Financial Services is proud to be an exclusive associate of Vitality, one of the UK's leading specialists in financial protection for individuals and businesses.
As an Exclusive Associate we automatically get access to the best policy rates Vitality can offer. We don't add commission or extra money onto your policy and the price Vitality quotes is the price you pay.
The Right Cover, When You Need It
You can never prepare yourself for an illness which stops your life in its tracks but you can put the right cover in place should you ever need it.
If you get sick and need to take time off work, serious illness cover can pay out a lump sum which can help to take the pressure off your finances to focus on your health and family.
In most cases, after one short phone call, our advisors can submit your application for you. There may be some follow-up questions about your health but our team can deal with all of the paperwork on your behalf.
What is a 'Serious Illness'?
Vitality Serious Illness Cover includes more conditions than any other similar 'critical illness' policy.
Vitality Serious Illness Cover is there to give you a little respite in the event you are diagnosed with one or more of their 174 qualifying conditions* including:
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Cancer
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Stroke
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All Heart Attacks
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Kidney Diseases
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Stomach and intestine diseases
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All neurological diseases
* 114 conditions covered on the Standard Level Serious Illness Cover. Upgrade your policy to Serious Illness Cover x3 for the full 174.
How Does Serious Illness Cover Work?
Serious Illness Cover pays you a lump sum in the event of being diagnosed with one or more of the 'serious' illnesses listed on your policy. The lump sum is tax free.
You choose the amount of total cover you would like - this amount will often be linked to your outstanding debt or average living expenses. You can claim more than once, for more than one condition. Each Claim pays out 5% - 100% of your cover amount, depending on the type of cover chosen but our team can help advise on the best options for you.
You can also cover your children from the day they are born and convert any unused cover to Dementia or FrailCare cover at the end of your term, covering you and your family from beginning to end.
Your Reward for Being Healthy
As if your good health wasn't rewarding enough, Vitality Rewards give you even more benefits! Enjoy discounts on top brands, spa breaks, fitness equipment, hotel bookings, gym memberships, wellbeing apps, healthy dining and more!
With tons of wellbeing tools to help you adopt, track and keep up healthy habits, Vitality Serious Illness Cover is invested in your health.
Once your policy starts you'll have full access to Vitality's market-leading app which helps you log your activities to access you daily, weekly or monthly rewards.
Talk to Us About Serious Illness Cover
Serious Illness Cover isn't complicated but it's important that you choose the right policy for you and your loved ones. Request a call back from one of our health insurance experts - it's a quick and painless process, we promise!