Critical illness cover

How would they cope, while you’re coping with critical illness?

£15 M&S vouchers after 3rd monthly payment

Life insurance with critical illness cover

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Aviva Critical illness cover is only available when combined with the life cover from either a Term Assurance (PDF 120KB) or Mortgage Life Insurance policy (PDF 130KB), we recommend you read our Key Features document for each policy. You can quote and apply for both of these by getting a quote from this page.

Life and critical Illness cover pays out a lump sum if you either die, or 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.

Life and critical illness cover has no cash in value at any time, and if you stop paying your premiums your policy will end.

It’s easy to think “it won’t happen to me”, but if the worst should happen, our life and critical Illness cover could help provide financial security at an emotional and difficult time. Whether it helps pay off your mortgage, funds a relaxing holiday to recover from treatment, or just helps you cope with the bills and expenses, the lump sum pay–out from critical illness cover could relieve worries and let you concentrate on getting better.

Critical illness covers over 50 conditions; we recommend you read the full detail of what conditions we cover and the restrictions that may apply in our Guide to Critical Illness Cover (PDF 367KB).

In 2012, just 10 conditions accounted for 98% of the critical illness claims we paid. In our video below, claims expert Andy Doran talks about these conditions to help you understand more about critical illness cover.

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Jane’s story

Our support doesn’t end once an application is accepted. We never forget that you want peace of mind should the worst happen. That’s why we have a team with an exceptional record of paying out claims, and we pay particular attention to making sure we handle everything smoothly and sensitively. We make it as quick and hassle-free as possible to make a claim by phone, post or online. In the following video Aviva customer and mother of two, Jane Swann, talks about the impact family protection had on her life.

What is Term Assurance?

  • Term Assurance is an insurance plan that runs for a fixed period of time and pays out a lump sum if you die during the plan term.
  • When you take a plan out, you’ll tell us how much cover you want and how long you want to be covered for. The amount of cover will stay the same as long as you have the plan in place.
  • The plan will make a pay out if you are diagnosed as suffering from a terminal illness within the plan term and have less than 12 months to live. When a plan pays out in those circumstances, it ends — there are no further pay outs when you die.
  • You can include critical illness cover in your plan by paying an extra premium. If the plan pays out for a critical illness claim then it ends; there’s no further pay out when you die.
  • This is not an investment product. It has no cash-in value at any time.

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What is Mortgage Life Insurance?

  • Mortgage Life Insurance runs for a fixed period of time. It pays out a lump sum if you die during the term of the plan.
  • When you take out a Mortgage Life Insurance plan, you’ll tell us how much cover you want and how long you want to be covered for: usually the same length of time as your mortgage.
  • The amount of cover decreases over the term of the plan, roughly in line with the outstanding balance of your repayment mortgage.
  • The plan will pay out if you are diagnosed as suffering from a terminal illness within the plan term and have less than 12 months to live. If the plan pays out in these circumstances it will end and there will be no further pay-out on death.
  • You can include critical illness cover in your plan by paying an extra premium. You can choose Integrated cover (this decreases in line with the life cover benefit; if the plan pays out for an integrated critical illness claim then it will end and there will be no further pay-out on death), or Independent cover. If you choose Independent cover, the amount of cover can be more or less than the amount of life cover. You decide how much cover you want at the start of the plan and this amount remains level throughout the term of the plan. Life Cover is not affected if we pay an Independent critical illness claim, the plan will continue to run.
  • This is not an investment product. It has no cash-in value at any time.

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Emotional support when you need it most at no extra cost

We now offer free access to care advisory service RED ARC to customers who have applied for critical illness cover and then make a claim. RED ARC’s services bridge the gap between the care provided by mainstream health services and the more practical and emotional support you may need.

To find out more information on RED ARC please read our brochure (PDF 542KB)

Call us to find out more

For more information on life and critical illness cover please contact us on 0800 068 4232.

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