Rather than paying out an arbitrary amount, we pay out based on the impact each condition will have on lifestyle. Paying out appropriate amounts for less severe conditions allows us to cover more conditions that will have a financial impact on lifestyle. 1 in 12 of all claims paid last year were for claims only covered by Vitality. Pulmonary embolisms was the most claimed upon unique condition in 2020, followed by moderately severe inflammatory bowel disease and surgery for cardiac arrhythmia (or irregular heartbeat). Comprehensive coverage and severity-based payouts. in 2020 were for conditions unique to Serious Illness Cover 1. Pulmonary embolisms 2. Moderately severe inflammatory bowel disease 3. Surgery for cardiac arrhythmia Most commonly claimed unique conditions Case Study - Gennaro, 52Unique Serious Illness Cover claim Case Study - Gennaro, 52Unique Serious Illness Cover claim 1 in 12 claims Over 40% of claims were for severities D-G. The amount of claims at lower severities highlights the need for cover at early stages of a disease and for less severe conditions. Severity A - 100% Severity E - 15% Severity B - 75% Severity F - 10% Severity C - 50% Severity G - 5% Severity D - 25% Breakdown of Serious Illness Cover claims by severity level 01 32% 26% 3% 29% 0.4% 7% 4% Serious Illness Cover is designed to provide the greatest chance possible of paying a claim. This means including catch-all definitions that will pay out on a claim for a number of conditions that start to have an impact on lifestyle. Gennaro was taken to hospital for 6 days with slurred speech, poor eye sight, loss of balance and loss of coordination with his left arm. He was later diagnosed with CLIPPERS syndrome, a rare inflammatory disease of the central nervous system. Serious Illness Cover paid out 50% under the unique catch-all Any Neurological Condition definition. Critical illness policies would not have made a payment as it is too rare to be covered under the policy conditions and not severe enough to be claimed under total permanent disability. Case Study - Gennaro, 52Unique Serious Illness Cover claim