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.
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.
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.
You could group your employees into categories, and then assign different benefit levels to each category. Directors, for example, may be covered for a higher lump sum than other staff.
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.
We can set up the policy without asking for any medical information, but if a employee makes a claim we’ll investigate if the illness existed before the policy started, and then assess the claim against the policy conditions.
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).
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.
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 will be two forms to complete, one by you, and one by your employee. 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.
Each covered employee can make more than one claim, providing each one is for a different and unrelated condition. Multiple claims do not apply to cover for married partners, civil partners and children.
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.
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