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How does this policy work?

When you are setting up a Group Critical Illness policy for 250+ employees (with a minimum of 5), we’ll do everything we can to help put this into place. From agreeing service levels and timelines in advance, to providing electronic submission forms for members’ details, you can rely on our expertise, efficiency and accountability in all aspects of scheme administration. We understand how important it is to offer you:

  • Efficiency. Our Group Critical Illness cover is subject to exclusions on pre-existing conditions, which means that for most members there are no medical underwriting requirements.
  • Affordability. You can choose whether to take out an extended policy which covers more conditions, or opt for standard cover at a lower price
  • …and flexibility. We can adapt the structure of our Group Critical Illness cover to meet your needs. For example, you can choose whether or not you would like to include your employees’ husbands, wives or civil partners under the policy. And children are also automatically covered for up to 25% of the employee's benefit (up to a maximum of £20,000 gross, whichever is lower) – it’s up to you.

Group Critical Illness pays out a lump sum, if you are diagnosed with a critical illness that meets our policy definition and then survive for at least 14 days. We only cover the critical illnesses we define in our policy and no others.

Effective management, minimum administration, maximum flexibility…

We know that flexibility can be the key to making a policy effective to administrate for a business with 250 employees or more. So we’ll talk to you about the service levels you expect and the benefits you’d like from us, and how we can structure your policy to meet those needs.

We prefer information about members to be provided in electronic format, which we can provide in template form. Renewals are handled in the same way, with information collated electronically for minimum disruption to your business. And, subject to confirmation of joining within eligibility conditions, the addition of new members is also straightforward. Your adviser can explain our renewals and additions processes in more detail, and we’re happy to talk about your requirements in more detail when we meet.

Helping your business, helping your employees…

For eligible claims, we’ll pay a cash lump sum promptly – either on the diagnosis of a critical illness from our pre-defined list, or when the employee has survived for 14 days. We’ll also do all we can to help them, and their family, at a difficult time. Read more about our claims process on the All you need to know about claims page.

WC00515 05/2014

Contact us

Talk to us. We’re happy to help. Call:

0845 300 4452

Monday to Friday
9.00am - 5.00pm

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Useful information

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