What is Near Death cover?

Near Death insurance pays out a tax-free lump sum if you're diagnosed with a nasty illness during the term of your plan. It's not the same as life insurance, which pays money to your loved ones only if you die. It's similar to critical illness insurance, read on to find out more about our near death cover.

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Do I need Near Death Insurance?

Similar to Critical Illness cover, our Near-Death insurance pays out when you get ill with something really nasty.’

When you apply for life insurance with us, depending on your answers to the questions, we might give you the option of getting a price for near death insurance. You’ll need to answer some extra questions, but if the Suits say yes it's your choice; Life Insurance plus Near Death Insurance OR just Life Insurance.

If you opt to take out a life and a near-death plan with us and you get a really nasty illness, we'll pay out 50% of your cover amount and then the other 50% if you die after that. If you die and you haven’t already claimed for a really nasty illness - we will pay the whole of your cover amount.

Why should I take out a plan with DeadHappy?

We’re usually much cheaper than the competition, for the same level of cover, and we make it really easy for you to buy. You can buy online quickly and easily, with no lengthy phone calls or medical interrogations. We think you should really ask:, “why wouldn’t I take out a plan with DeadHappy?”.

When should I get Near Death insurance?

When taking out Life Insurance, many people think about critical illness cover at the same time. The reasons for buying this type of cover are similar to the reasons for getting Life Insurance, such as buying a house, having kids or making sure loved ones will be financially secure if anything happened to you.

How do I get Near Death Cover with DeadHappy?

Firstly, apply for a Life Insurance plan with us (just 4 questions..) If you’re accepted and the Suits are all happy, you’ll have the option to add Near Death cover, if you wish.

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How much will Near Death Cover Cost?

Probably a lot less than you thought, for example as of Nov 2020, it would cost a 30 year old, non smoker with £100K cover just an additional £3.23 to add on this cover.

  • Life Only: £4.84 per month
  • Life + Near Death: £8.07 per month
  • BTW: We’ve assumed no additional medical conditions here.

Which serious illnesses are covered under this near death plan?

We cover four common major nasty illnesses for our near death plan:


Not all cancers are equal, so we can only payout if it’s one which is not so easily treatable and is likely to have a bigger impact on your life, therefore we can only payout for cancer that has progressed to prognostic stage 2 or equivalent on TNM classification. Find out more.

Serious Heart Attack

A heart attack which leads to a permanent reduction in your heart’s effectiveness (Measured by an ejection fraction of 45% or below at least one month after the attack). Find out more.

Serious Stroke

A stroke which leaves you with permanent disability or impairment to your nervous system (Measured as a level 2 or above on the Modified Rankin Scale at least one month after the stroke). Find out more.

Multiple Sclerosis

MS which results in persisting clinical impairment of motor or sensory function (Supported by findings of objective evidence on MRI). Find out more.

Who can make a claim?

If you get a really nasty illness and you’ve got our near-death insurance then one of your friends or family can get in touch with us, or you can do it yourself if you’re well enough. We’ll ask them for your name, DOB and address; who they are and their relationship to you. Our claims team will let them know if we need anything else.

What information do we need to pay a claim?

Firstly, we’ll need to know your personal details (name, DOB, address) to access your account and check your plan is active. If you get a really nasty illness and you’ve got our near-death insurance then we’ll need to see evidence that shows your illness meets our definitions We may also need to see full medical records to check that you didn’t lie about your health.

What type of cover is right for me?

That’s entirely up to you. We can’t give financial advice, but what we can do is give you as much information as possible to hopefully help you make the right choice for you.

How do I get a price for Near Death cover?

With DeadHappy, where you are eligible, we’ll offer you a price alongside your life insurance when you get a quote. If you’re interested in taking it out, you can do so at the same time, making the whole process nice and simple.

Do I need insurance, in case I get really ill, to get a mortgage?

You might want to, but you don’t need to, no. Whilst major life events are often key drivers for people to consider their protection requirements (we’re talking insurance here...) it’s entirely your decision whether to take out cover for this. Probably a better question to ask yourself is ‘What would happen to your family if you could no longer work due to a really nasty illness’. If you feel you could benefit from having this type of insurance in place, then we’re more than happy to help. Speaking of which, why not get a quote and see just how affordable it could be to get Life Insurance with near death cover.

What is the best Near Death cover?

Well obviously we think DeadHappy make the best Near Death Insurance, but we are biased. Perhaps your question should be, what is the best cover for you. If you think we are, then we’re more than happy to help.

Can I get Near Death cover if I have a mental health condition?

With DeadHappy you probably can, yes. We won’t decline you cover because you have, or have previously in the past been diagnosed with, a mental illness.

For more information about insurance that pays out if you become seriously ill we've created a Guide to Critical Illness Insurance.