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Underwriting this policy

When it comes to putting Group Critical Illness into place, we'll do everything we can to help. We don't need to collect any new medical information about your employees to set up your Group Critical Illness policy. If an employee wants to make a claim, we'll simply investigate whether or not the illness or associated illness existed before the policy started, and then assess the claim on that basis. Everyone who is eligible will be covered as soon as the policy begins.

If you want to switch from another provider…

We'll need to see the complete underwriting details for anyone who was underwritten by your previous insurer. We may apply some conditions to your policy if you're transferring a Group Critical Illness scheme, but we're happy to go through these in detail with you when we meet. As an overview, these are the conditions that we'll apply:

If your policy transfers to Aviva and:

  • …there's an increase in benefit compared to the previous insurer, then the pre-existing conditions exclusion will apply to the increase in benefit from date that cover starts with us.
  • …there's a critical illness or operation on our policy that wasn't previously covered, then the pre-existing conditions exclusion will apply to that condition from date that cover starts with us.
  • …there's a pre-existing conditions exclusion with the current insurer, for benefits and conditions that are the same on both policies, then the pre-existing conditions exclusion will apply from the date(s) your previous insurer had applied.
  • …there's a benefit underwritten and accepted with a medical exclusion, then we'll continue to apply that exclusion and the pre-existing conditions exclusion will not apply to that benefit.
  • …there's a benefit underwritten and accepted without medical exclusions, then we won't apply the pre-existing conditions exclusion, nor will we apply a loading - even if your previous insurer did.

WC00549 02/2014

Contact us

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

0845 300 4452

Monday to Friday
9.00am - 5.00pm

Calls to and from Aviva may be monitored and/or recorded

Useful information

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