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General FAQs

Below are some of the more frequently asked questions. If you have a question that is not answered on this page, please contact us on 0800 145 5684.

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 maintain staff morale levels, reassures 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. It's important to understand the implications of the Equality Act 2010, which makes it 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.

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. For example Directors 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.

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 (surviving for 14 days after diagnosis or an operation). For claims relating to permanent disability, a member must be continuously and permanently disabled for six months before we will pay a lump sum.

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 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.

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?

If the factors we use to calculate your premium don't change, then we can usually guarantee your premium for two years from the start of the policy.

WC00547 05/2015

Contact us

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

0800 145 5684

Monday to Friday
9.00am - 5.00pm

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