VitalityLife has made three enhancements to its Serious Illness Cover product that the insurer believes will lead to "more claims and, therefore, more pay outs for customers."
The enhancements are Cancer Relapse Benefit, multiple claims for heart attack and stroke as well as the addition of new conditions and definitions.
Under Cancer Relapse Benefit, Vitality will pay out an extra 50% of the sum assured on the recurrence of cancer - either a relapse of the original cancer at the same or lower severity or a new primary cancer - after a one year period of remission.
Customers will also be able to claim for multiple heart attacks and strokes at the same or lower severity as long as the subsequent episode occurs at least 30 days after the first event.
Currently the policy pays out for multiple heart attacks and strokes that are new or more severe events.
VitalityLife has also introduced cover for two new conditions: borderline ovarian cancer and permanent defibrillator insertion due to cardiac arrest.
It has also enhanced definitions for three other conditions: primary pulmonary hypertension, multiple sclerosis and motor neurone disease.
Deepak Jobanputra, Deputy CEO, VitalityLife [pictured] said: "Our Serious Illness Cover product covers customers for nearly four times as many conditions as a standard Critical Illness product, so we already pay out in many more scenarios than other insurers.
"However, we want to make sure as many people as possible can claim, which is why we have enhanced our product further."
Emma Thomson, Life Office Relationship Director at LifeSearch said:"The improvements to VitalityLife's Serious Illness Cover are good news for customers who suffer any relapse or recurrence of three of the main reasons for a claim, namely heart attack, cancer or stroke.
"They are welcome enhancements that should mean more customers can claim and receive a pay out to help them during a tough time in their life."
COVER receives top plaudit from industry body
‘Overall the industry has improved’
As part of serious illness cover
£570 a month benefit