Serious Illness Cover Booster

< Back to Serious Illness Cover Overview

Our Serious Illness Cover Booster can give you even more help coping with the long-term effects of some serious illnesses

To suffer from a serious illness at any time in life is difficult. But the younger you are, the longer you're likely to have to live with your condition, so the greater the financial impact could be. You might need to give up work, adapt your home or pay a carer. And you may have to do this for many years. If you're trying to bring up children while you're suffering from a serious illness, life can be even more difficult.

Our Serious Illness Cover Booster extends the principle of severity based payments, so that for some conditions we pay out between 100% and 200% of your cover amount. The amount we pay depends on your condition and your age when you make a claim. And if you have dependent children on your plan, we boost your payout even further for some conditions.

Here's how adding our Serious Illness Cover Booster to your plan can help you feel even more secure about your future:

For conditions with a long-term physical impact we boost your payout to beyond 100% of your total cover amount

If you develop one of the conditions we've identified as having the most severe long-term physical impact – for example, blindness or paralysis – we'll boost your payout. The amount we'll boost it by depends on your age when you make a claim. The table below gives examples of how this amount changes over time. The younger you are, the greater the boost. You could get as much as double your cover amount. This means you can get extra help with these very severe conditions, without having to increase your cover amount.

Age at next birthday at time of claim	25	35	45	55	65
Total payout (as a percentage of your cover amount)	200%	175%	150%	125%	100%

Here's an example that illustrates how this works:

John takes out £200,000 of Serious Illness Cover, and adds Serious Illness Cover Booster to his plan. When he's 44, he is paralysed in a car accident. Because of John's age, we boost his payout to 150% of his cover amount. So instead of £200,000, John gets £300,000.

Underpinning this element of our Serious Illness Cover Booster is a guarantee that no matter how old you are, for a range of other conditions, we'll pay out 100% of your cover amount.

---

If you have dependent children on your plan, your payout could get an extra boost

People often take out insurance because they're worried about their children's future. That's why people choose our Optional Serious Illness Cover for Children or Education Cover. If you have either of these options as part of your plan, and you are diagnosed with a condition that we've identified as having the most severe long-term physical impact, we'll give your payout an extra boost. We'll boost it by 10% of your cover amount for each dependent child you have on your plan, up to a maximum of £25,000 per child. This boost only applies if you get ill, not if your child gets ill. It's designed to ease the financial strain of bringing up children while coping with a serious illness.