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How does this policy work?

Group Critical Illness cover is designed to make a payment if you are diagnosed with an illness or undergo an operation that meets our policy definition and then survive for at least 14 days. Right from the start - we'll do everything we can to help you put your Group Critical Illness policy into place. We understand how important it is to keep overheads down, so we aim to deliver:

  • Efficiency. We try to minimise disruption, so we'll usually set up your Group Critical Illness policy subject to exclusions on pre-existing conditions. That means there are no medical underwriting requirements for most members.
  • Affordability. Keeping costs down is a priority these days. So you can choose whether to take out an extended policy which covers more conditions, or opt for standard cover and contain the costs.
  • Flexibility. Not every business wants the same level of cover. With that in mind, we've designed Group Critical Illness that is flexible 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. 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, which benefits you want to include.

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.

Low costs, minimum administration, efficiency…

All of these things are important to your business. So we'll ask you how we can help you most, as we set up your policy. We prefer information about your employees to be provided in electronic format, which not only helps us, but also helps you as time passes. We can then easily collate anniversaries and changes to member information which can ease possible disruption to your business.

Helping your business, helping your employees…

We'll pay eligible claims promptly, which means that your employees can rely on us for financial support if they suffer from a pre-defined illness or condition. But we'll also do all we can to help them, their family, and their colleagues at a difficult time. You can read more about our claims process on the All you need to know about Group Critical Illness claims page.

WC00543 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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Useful information

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