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Group Risk

Group Critical Illness

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.

If an eligible claim is made, then we’ll pay a lump sum of up to 5 x the salary or £500,000 (whichever is lower) and for total permanent disability, we will pay the lump sum after you’ve been continuously and permanently disabled for six months.

A Group Critical Illness policy will not pay a claim for any pre-existing conditions and also excludes associated conditions, such as critical illnesses or operations that are related to pre-existing conditions. For example, an employee may have had a heart attack before joining the scheme; any future illness related to the heart attack would not be covered, so we wouldn't pay a lump sum if the employee later needed coronary artery by-pass surgery.

By having a Group Critical Illness policy in place it helps to show that you care about your employees and their welfare - the last thing anyone wants when they are ill is additional worries about money. Group Critical Illness cover gives employees a lump sum to spend on anything they need; paying bills, making alterations to their home (as a result of their illness) or to help with their recovery. Group Critical Illness can be offered as a flexible benefit to your employees.

WC01780 02/2015

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