These are some of the more frequently asked questions we hear about Group Critical Illness cover. But because your needs will reflect the individual nature of your business, we’re also happy to answer any other queries you may have. Call us on 0845 300 4452. We’re happy to help.
Although you may want employees to meet specific age requirements before covering them under your company’s policy, it is important to ensure that you do not breach aspects of employment or discrimination law by unlawfully favouring certain workers, or groups of workers over others. It is illegal to discriminate against employees, job seekers or trainees on grounds of age. However, you may want to introduce a fixed probationary period for your employees, before they are eligible to receive Group Critical Illness cover. Or you may decide to allow entry to your company’s scheme at schedule points during the year – monthly or annually. The benefit basis and terms must be the same for every individual in different categories if these are applied.
You can select different categories for employees and directors. You can then assign a different benefit basis per category, e.g. providing a higher level of benefit to directors of the company. You could also decide whether to select a fixed benefit or multiple of salary per category covered. The benefit basis and terms must be the same for every individual in different categories if these are applied.
We can consider covering employees who are resident overseas, as long as they have a contract of employment with a UK company covered by this policy. For more information please contact us.
We won’t ask for any medical information about your employees before the policy begins. If they make a claim, we’ll investigate if the illness existed before the policy started, as we don't cover pre-existing conditions, and then assess the claim against the policy conditions.
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, employees will switch over automatically and be given the same medical underwriting terms and levels of benefit as they had with the previous insurer, with no more medical evidence required (providing this does not exceed our policy limit).
We aim to keep administration to a minimum. You’ll need to give us details of the new joiners and confirm their entry date to the scheme – that’s it.
If one of your employees is diagnosed with a critical illness or has an operation covered by the policy, we need to be notified by you within three months. There are two forms to complete – one by you, and one by your employee. For valid claims, we will pay a lump sum to your employee if they are diagnosed with one of the specified illnesses or undergo one of the specified operations, and then survive for 14 days. For a claim for total permanent disability, a member must be continuously and permanently disabled for six months before we will pay a lump sum.
Each covered employee can make more than on claim, providing each one is for a different and unrelated condition. Multiple claims do not apply to cover for spouses, civil partners and children.
We will normally guarantee your premium rate for two years from the start of the policy. The actual premium may increase or decrease dependent on membership changes to the scheme.
Talk to us. We’re happy to help. Call:
0845 300 4452
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