Group Critical Illness

General FAQs

Below are some of the more frequently asked questions.

With all of my other overheads, is Group Critical Illness really necessary?

Group Critical Illness does more than give your employees financial support, it helps you reassure your employees that you care about them, and it can be a useful tool in recruitment and retention. When costs are a concern, we'll do everything we can to help you find a Group Critical Illness solution that meets your budget, and adds value to your business.

Would I have to cover everyone in my business?

You can choose who benefits from a Group Critical Illness policy, for example just senior staff. Whilst you can choose to limit the policy to certain groups of staff, it’s also important to understand the implications of the Equality Act 2010, which prevents employers from discriminating against employees, job seekers or trainees on grounds of age, sex, race, religion and disability (amongst others). However, you may want to introduce a fixed probationary period for your general staff, before they are eligible to receive Group Critical Illness cover. Or you may decide to allow entry to your company's scheme at scheduled points during the year – monthly or annually.

Does every employee have to be covered at the same level?

You could group your employees into categories, and then assign different benefit levels to each category. Directors, for example, may be covered for a higher lump sum than other staff.

Are my employees based overseas covered?

We will consider covering employees who live overseas, as long as they have a contract of employment with a UK company covered by the policy.

Do we need to collect employee medical information?

We can set up the policy without asking for any medical information, but if an employee makes a claim we'll investigate if the illness existed before the policy started, and then assess the claim against the policy conditions.

Can I transfer a scheme from another provider?

Yes, providing there's been no break in cover, we'll usually allow 'No Worse Terms' to apply. This applies to the critical illnesses and operations that are common between providers. In these cases, your employees will switch over automatically and will be given the same medical underwriting terms and levels of benefit as they had with the previous insurer, with no more medical evidence required (subject to the policy maximum).

What happens if we want to add employees to the scheme?

We'll help you by keeping your administration to a minimum, so we'll just ask for details of new joiners and confirmation of their start date to the scheme, when applicable.

What happens in the event of a claim?

If one of your employees is diagnosed with a critical illness or has an operation covered by the policy, you need to let us know within three months (or as soon as reasonably practicable). There will be two forms to complete, one by you, and one by your employee/their spouse/civil partner. Once we receive the completed forms and any necessary medical information, if the claim meets the diagnosis or operation criteria and is accepted, we will pay a lump sum to your employee. For a claim to be considered they must be diagnosed with one of the specified illnesses or undergo one of the specified operations (surviving for at least 14 days after diagnosis or an operation) covered by the policy. No other illnesses or operations are covered.

Can more than one claim be paid under the policy?

Each covered employee can make more than one claim, providing each claim is for a different and unrelated condition unless you have selected the second or subsequent cancer cover option as part of your policy. Multiple claims do not apply to cover for spouses, partners and employee’s children.

Will my premiums stay the same each year?

The rate we use to calculate your premium is usually guaranteed for two years from the start of the policy.

What value added services are available to Group Critical Illness scheme members?

Best Doctors®, RedArc and Stress Helpline are provided to all scheme members. All these services are non-contractual benefits that can be withdrawn at any time by Aviva without notice.

Best Doctors is a registered trademark of Best Doctors, Inc. Used with permission.

What does Best Doctors® provide?

Best Doctors provides expert medical information, advice and second opinions, connecting members to world leading medical expertise. The service is available to everyone covered by a Group Critical Illness product, their spouse/partner and any dependant children (including legally adopted children and stepchildren) at any time.

This service is non-contractual benefit that can be withdrawn at any time by Aviva without notice.

Best Doctors is a registered trademark of Best Doctors, Inc. Used with permission.

What does RedArc provide?

RedArc Personal Nurse Advisers give employees practical advice and emotional support to help them through their illness. The nurses are highly experienced qualified nurses with a wide range of specialised and general medical knowledge.

They take time to listen, empathise and get to know employees properly, in order to offer a comprehensive and compassionate service.

This service is non-contractual benefit that can be withdrawn at any time by Aviva without notice.

What does Stress Helpline provide?

The 24/7 Stress Helpline provided by Care first gives employees access to an ‘in the moment’ helpline handled by BACP accredited counsellors that assists callers with regaining some sense of control when overwhelmed. This is achieved by providing on the spot support, which allows callers space to 'off load' and gain new perspective. This one-off counselling facility provides practical strategies and caller 'empowerment' not just to feel better but to do something about the situation they face.

This service is non-contractual benefit that can be withdrawn at any time by Aviva without notice.

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