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General FAQs

As the owner or decision-maker of a large company, you'll want to find out details about Group Critical Illness cover before making a purchase. These are some of the more frequently asked questions that we hear. But because every business is different, we're also happy to answer any other queries you have. Call us on 0845 300 4452. We're happy to help.

What benefit can Group Critical Illness bring to my business?

Group Critical Illness does more than give your employees financial support: it helps you maintain staff morale levels, it reassures your staff that you care about them, and it can be a useful tool in recruitment and retention. Further to this, Group Critical Illness cover adds value to your business by helping to promote wellbeing among your employees.

Would I have to cover everyone in my business?

You can choose who you want to benefit from a Group Critical Illness policy - just senior staff, for example. However, 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 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 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.

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

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.

If I have employees based overseas, would they be covered?

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.

Do we need to collect any medical evidence about our employees?

We can set up the policy without asking for any medical information about your employees. 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.

What happens when someone makes 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. 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.

Can more than one claim be paid under the policy?

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.

Will my premiums stay the same each year?

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.

WC00547 02/2014

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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