What can this policy cover?
Please note: This information refers to Group Protection policies quoted after 28 September 2015.
Group Critical Illness pays out a lump sum if your employees are diagnosed with a critical illness or undergo one of the operations that meet our policy definition and survive for at least 14 days. We only cover the critical illnesses we define in our policy and no others.
You can select a benefit level to suit your budget up to a maximum of 5 x the employees' salary or £500,000 (whichever is lower). You can choose whether or not you would like to include your employees' spouse or partner under the policy.
The policy also covers members' children (including legally adopted and stepchildren aged between 30 days to 18 years old or 21 if still in full-time education). If they need to claim under the policy a lump sum payment may be payable up to 25% of the member's benefit (up to a maximum of £20,000).
Under both standard and extended cover there are options to provide a benefit if an employee:
- Is diagnosed with a second or subsequent cancer and/or
- Becomes totally and permanently disabled.
These 'standard conditions' are covered by our Group Critical Illness product
- Alzheimer's disease – resulting in permanent symptoms
- Cancer – excluding less advanced cases
- Cardiac Arrest
- Coronary artery by-pass grafts
- Creutzfeldt-Jakob disease – resulting in permanent symptoms
- Dementia – resulting in permanent symptoms
- Heart attack – of specified severity
- Kidney failure – requiring dialysis
- Major organ transplant
- Motor neurone disease – resulting in permanent symptoms
- Multiple sclerosis – with persisting symptoms
- Parkinson's disease – resulting in permanent symptoms
- Progressive supranuclear palsy – resulting in permanent symptoms
- Stroke - resulting in permanent symptoms
- Total permanent disability – unable to do a suited occupation every again or unable to do their own occupation ever again*
These conditions are also included if you choose extended cover...
- Aorta graft surgery
- Aplastic anaemia – with permanent bone marrow failure
- Bacterial meningitis – resulting in permanent symptoms
- Benign brain tumour – resulting in permanent symptoms or removed via craniotomy
- Benign spinal cord tumour
- Blindness – permanent and irreversible
- Cardiomyopathy – of specified severity
- Coma – resulting in permanent symptoms
- Coronary angioplasty – to two or more coronary arteries
- Deafness – permanent and irreversible
- Encephalitis – resulting in permanent symptoms
- Heart valve replacement or repair
- HIV infection – caught in the UK from a blood transfusion, a physical assault or at work in an eligible occupation
- Liver failure – of advanced stage
- Loss of hand or foot – permanent physical severance
- Loss of independent existence - permanent and irreversible
- Loss of speech - permanent and irreversible
- Open heart surgery – with surgery to divide the breastbone
- Paralysis of limbs – total and irreversible
- Primary pulmonary arterial hypertension
- Pulmonary artery graft surgery
- Respiratory failure – of advanced stage
- Rheumatoid arthritis – chronic and severe
- Systemic lupus erythematosus – with severe complications
- Terminal illness
- Third degree burns – covering 20% of the body's surface area or 30% loss of surface area to the face
- Total permanent disability – unable to do a suited occupation ever again or unable to do their own occupation ever again*
- Traumatic head injury – resulting in permanent symptoms
*Aviva Group Protection reserves the right not to include Total Permanent Disability cover, or to offer the cover on a different basis for certain occupations.
Some conditions are not covered by Critical Illness Cover
It's important to remember that Group Critical Illness will not pay a claim for any pre-existing conditions. It also excludes associated conditions, such as critical illnesses or operations that are related to pre-existing conditions. For example, one of your employees may have had a heart attack before joining the scheme. Any related illness would not be covered, so we wouldn't pay a lump sum if they later needed coronary artery by-pass surgery.
If one of your employees:
- has suffered from a critical illness, or had any operation specified in the policy, at any time before they join the scheme; or,
- is already suffering from a critical illness or is waiting for any operation that is specified in the policy,
They will not be able to claim for a diagnosis that confirms a recurrence of the same critical illness or a need for the same operation while they are covered by the policy.