Critical Illness Cover

Critical illness cover pays a tax-free lump sum if you're diagnosed with one of a specified list of serious conditions — including cancer, heart attack, and stroke. This money is yours to use however you need: paying off a mortgage, funding treatment, covering living costs, or adapting your home. For business owners and directors, a business-funded critical illness policy can be structured through the company, providing cover while being treated as a legitimate business expense. Vitality's plan includes a Waiting List Benefit for 24 surgical conditions, providing payouts as soon as you're placed on an NHS waiting list.