Serious illness vs. Critical illness

See how our cover compares to other providers

Our serious illness cover is positively different

Unlike typical critical illness cover, our award-winning Serious Illness Cover pays out on a severity based approach. This means that our cover better reflects the impact an illness has on your client’s lifestyle, and they’d still be protected if a payout was less than 100%. In fact, because our cover is so different, comparing against other providers isn’t always easy. That’s why we’ve created our Serious Illness vs. Critical Illness comparison tool.

Don’t just take our word for it, Defaqto have verified the information to make sure that it is fair, transparent and representative.

Please note: This tool works better on a larger screen.

Let's Compare

Select up to three other providers to see how they compare against Vitality’s Serious Illness Cover:

Search for specific conditions here:

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Condition VitalityLife Selected Providers
Minimum payout Maximum payout Payout under Serious Illness Cover Booster
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This tool is for Adviser use only. It is not approved for use with clients.


* Under booster these conditions are boosted to 100% on failure of 2 Functional Activity Tests (“FATs”) and above 100% is dependent on age at date of claim.


Terms and Conditions

  1. The above comparison is based on Vitality Life and Defaqto’s interpretation of the differences between Vitality Life’s Individual Protection Cover, and {{ provider.product_name }} [{{ provider.document_reference }}] as at {{ provider.lastApprovedDate+'000' | date:'dd/MM/yy' }}, [available on their respective websites]. The comparison excludes any special offers or promotions which may temporarily alter the cover offered. While we endeavour to keep the information up to date and correct, cover is subject to change and may vary at any time without notice so please always check http://vitalityillnesscomparisontool.co.uk for the most current comparison. This cover comparison information is for personal use and guidance only and does not constitute any contractual representation, warranty or obligation by either VitalityLife or Defaqto about the completeness, accuracy, reliability, suitability or availability of the comparison. Neither party accepts any liability for errors, omissions, direct or consequential loss in relation to this comparison.
  2. The Vitality Serious Illness Cover information on this website is about the latest version of VitalityLife Serious Illness Cover. If your clients already have a VitalityLife Plan, they can refer to their plan documents for more information. If your clients would be interested in updating their Serious Illness Cover to the latest version available, please contact your VitalityLife Business Consultant or contact us for more information on how to do so. Additional underwriting and costs may be incurred.