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General FAQs

As the owner or decision-maker of a Small to Medium Enterprise, you’ll want to find out details about Group Critical Illness cover before making a purchase. These are some of the more frequently asked questions that we hear. But because every business is different, we’re also happy to answer any other queries you have. Call us on 0845 300 4452. We’re happy to help.

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, it reassures your staff 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 by helping to promote wellbeing among your employees.

Would I have to cover everyone in my business?

You can choose who you want to benefit from a Group Critical Illness policy – just senior staff, for example. 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. Directors, for example, may be covered for a higher lump sum than other staff.

If I have employees based overseas, would they be covered?

We can consider covering employees who are resident overseas, as long as they have a contract of employment with a UK company covered by this policy.

Do we need to collect any medical evidence about our employees?

We can set up the policy without asking for any medical information about your employees. If they make a claim, we’ll investigate if the illness existed before the policy started, and then assess the claim against the policy conditions.

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. You’ll need to give us details of the new joiners and confirm their entry date to the scheme – that’s it.

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. 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, and then survive for 14 days. For a claim for total permanent disability, a member must be continuously and permanently disabled for six months before we will pay a lump sum.

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 husbands, wives 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.

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Contact us

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

0845 300 4452

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