Breakdown of Child Serious Illness Cover claims Heart and Artery Stroke and Nervous System Connective Tissue Disease Endocrine and Metabolic Disease Total PermanentDisability Cancer Cancer was the leading cause of claim for children. Child Serious Illness Cover represents a valuable way for parents to protect against the financial impact of a life-changing event happening to their child. We provide cover for all conditions that are featured on the adult cover and the cover can be added to any Vitality Personal Protection Plan. Breakdown of Serious Illness Cover claims by age 40%35%30%25%20%15%10%5%0% 30 - 39 40 - 49 60+ Under 30 50 - 59 Declined Serious Illness Cover claims in 2020 Serious Illness Cover has been designed so that the chance of paying out is maximised and our claims team is committed to paying as many claims as possible, however in certain cases we may need to decline a claim. Declined Serious Illness Cover claims in 2020 Serious Illness Cover has been designed so that the chance of paying out is maximised and our claims team is committed to paying as many claims as possible, however in certain cases we may need to decline a claim. Percentage of claims 38.1% 33.3% 14.3% Serious Illness Cover claims were made across all ages highlighting the need for cover at earlier ages. Did not meet definition Serious Illness Cover is designed to pay out earlier and more often than traditional critical illness cover. Claims that did not meet the criteria may also not have met the criteria in the wider market. In cases where a condition is not yet severe enough to meet the plan definition, cover remains in place should these conditions become more severe in the future. Non-disclosure One of the main reasons we wouldn’t be able to pay a claim would be for non-disclosure, where information has been withheld at application or answered dishonestly. In order to minimise the risk that a claim isn’t paid, it’s important to ensure that all information is correct on an application. Paid Declined due to non-disclosure Did not meet definition Other 91.3% 1% 6% 2% Serious Illness Cover claims paid versus declined in 2020.