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Features

Our Group Critical Illness cover helps employers provide financial support to employees in time of ill health. Group Critical Illness cover pays a cash lump sum on either diagnosis of a critical illness from our pre-defined list, or after an employee has survived for 14 days after undergoing a surgical procedure that we cover.

The money paid from a successful claim on a Group Critical Illness policy can be used completely at the employee’s discretion. For example, Group Critical Illness cover payment could help towards bills, pay for treatment or make adjustments to their home or lifestyle.

Listed below are the critical illnesses and surgical procedures covered by this policy.

• Efficient payment. A lump sum of 5 x an employee’s salary, up to £500,000 gross (whichever is lower) payable 14 days after diagnosis or operation. For total permanent disability, a member must be continuously and permanently disabled for 6 months before we pay a lump sum.
• No medical underwriting. No underwriting is required, as Group Critical Illness cover is subject to exclusions on pre-existing conditions.
• Flexible and affordable for employers. Employers can choose whether to offer standard cover, or take out an extended policy which covers more conditions.
• Optional cover. Employers can choose to include the employee’s husband, wife or civil partner under the policy.
• Children’s cover. Dependants can receive cover for up to 25% of an employee’s benefit, up to a maximum of £20,000 gross (whichever is lower).

What’s covered?

When looking at the conditions included on this policy, it’s important to understand that our Group Critical Illness product doesn’t cover pre-existing conditions. Group Critical Illness cover also excludes critical illnesses or operations which are related to pre-existing conditions. For example, if an employee had a heart attack before joining the scheme, we wouldn’t pay a lump sum if they later needed coronary artery by-pass surgery. For more information, please contact us for details about our Group Critical Illness cover.

Standard conditions covered by Group Critical Illness

• Alzheimer’s disease - resulting in permanent symptoms
• Cancer - excluding less-advanced cases
• Coronary artery by-pass grafts - with surgery to divide the breastbone
• Creutzfeldt-Jakob disease - resulting in permanent symptoms
• Dementia - resulting in permanent symptoms
• Heart attack - of specified severity
• Kidney failure - requiring dialysis
• Major organ transplant
• Motor neurone disease - resulting in permanent symptoms
• Multiple sclerosis - with persisting symptoms
• Parkinson’s disease - resulting in permanent symptoms
• Stroke - resulting in permanent symptoms.

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Extended conditions covered by Group Critical Illness

• Aortic graft surgery - for disease
• Aplastic anaemia - with permanent bone marrow failure
• Bacterial meningitis - resulting in permanent symptoms
• Benign brain tumour - resulting in permanent symptoms
• Blindness - permanent and irreversible
• Cardiomyopathy - of specified severity
• Coma - resulting in permanent symptoms
• Coronary angioplasty - to two or more coronary arteries
• Deafness - permanent and irreversible
• Encephalitis - resulting in permanent symptoms
• Heart valve replacement or repair - with surgery to divide breastbone
• HIV infection - caught in the UK from a blood transfusion, a physical assault or at work in an eligible occupation (the emergency services - police fire and ambulance - the medical profession including administrators, cleaners, dentists, doctors, nurses and porters, or the armed forces)
• Liver failure - of advanced stage
• Loss of hands or feet - permanent physical severance
• Loss of independent existence - permanent and irreversible
• Loss of speech - permanent and irreversible
• Paralysis of limbs - total and irreversible
• Pulmonary artery graft surgery
• Respiratory failure - of advanced stage
• Rheumatoid arthritis - chronic and severe
• Terminal illness
• Third-degree burns - covering 20% of the body’s surface area
• Total permanent disability - a member must be continuously and permanently disabled for 6 months
• Traumatic head injury - resulting in permanent symptoms.

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If you’d like to know more

Talk to us, we’re happy to help. Get in touch with our Group Risk Sales Support team on 0845 300 4452.

Lines are open from 9.00am - 5.00pm, Monday to Friday.

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