Group Critical Illness

Supporting your employees when they need it most

How our Group Critical Illness cover can help

If an employee is diagnosed with a specified critical illness, or they have an operation that we cover, we'll pay them a tax-free lump sum. That way, they don't have to worry about their finances on top of their health, and can use the money as they wish.

We automatically cover your employees' children and help if they're diagnosed with a specified critical illness or one of the child-specific conditions covered in our policy.  Your employees can also add critical illness cover for their partner through our Aviva Flex-pertise™ benefit, if you choose this as an option.

Why choose us?

Our Group Critical Illness cover can help your employees during difficult times.

Wide range of conditions covered

You can decide what type of cover and the level of benefit you want to provide your employees. With standard and extended options, we offer cover for a wide range of serious conditions. We also offer ongoing cancer cover as standard, meaning we'll support your employees if it's their second or subsequent diagnosis of cancer as defined under the policy. 

Child cover

We also provide cover for children for 7 child-specific conditions, as well as the wide range of adult conditions included in the policy. This comes as standard with any Group Critical Illness policy and pays up to a maximum benefit of £20,000.

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Your cover options

There are plenty of ways we can help you and your employees in the event of an illness. You can choose between two types of cover, Standard or Extended.

What's included

  • Standard cover
    Covers 15 critical illnesses and operations, including cancer (excluding less advanced cases), cancer (second and subsequent), heart attack, stroke and major organ transplant.
  • Extended cover
    Covers everything in Standard, as well as 26 other critical illnesses and operations, including aorta graft surgery, blindness, heart valve replacement or repair, liver failure and terminal illness.
    For a full list of what's covered, please read our Group Critical Illness Technical Guide (PDF 337KB).
  • Child cover
    Cover for children is automatically included and covers the following child-specific conditions, cerebral palsy, cystic fibrosis, hydrocephalus, muscular dystrophy and spina bifida. Cover is for employees children (included adopted and step-children) from birth until their 18th birthday, or until their 21st birthday if they are in full time education.

    This benefit also provides cover for children's intensive care benefit requiring mechanical ventilation for 7 days and loss of independent existence.

    The adult conditions that the child is covered for are determined by the type of cover held by the employee (either standard or extended cover).

    For full details of what's covered, please read our Child cover brochure (PDF 2.95MB).
  • Tailor your cover
    You can boost your cover with these optional extras:

    Cancer drugs fund
    This gives your employees access to a fund of up to £100,000 to pay for cancer drugs and follow-up expenses. They can only use this if the NHS Trust won't pay for their treatment.

    Partner cover
    You can choose to extend cover to protect your employees' partners, up to £250,000.

    Total Permanent Disability
    You can protect your employees even if they're diagnosed as totally and permanently disabled.

What's not included?

  • Pre-existing conditions
    We're unable to cover any pre-existing conditions (except Cancer - second and subsequent within defined circumstance). See our Group Critical Illness Technical Guide (PDF 337 KB) for further information.
  • Terminal illness
    We will not be able to pay a claim for terminal illness if the member or child died before you notified us of the claim.
  • Optional extras for children
    Children are not covered by the cancer drugs fund or total permanent disability optional policy benefits.
  • Self-inflicted injury
    We don't cover any critical illness or operation that is a direct or indirect result of a self-inflicted injury.

Unfortunately, we can't cover everything. See our terms and conditions for more information.

Wellbeing services

We’re dedicated to helping people live their best lives. 

With Group Critical Illness, your employees get access to expert clinical help  when they need it. Alongside that and the financial support it offers, your employees get a suite of wellbeing services to help them make informed, balanced and positive lifestyle choices. And if the going gets tough, we have support services to help them cope, with stress and grief. 

These services are non-contractual benefits Aviva can change or withdraw at any time. They are available to employees who are permanent residents of Great Britain, Northern Ireland, the Channel Islands or the Isle of Man.

Person holding a child smiling

The Wellbeing services available with Group Critical Illness are:

Aviva DigiCare+ Workplace

We can help support your insured employees with the Aviva Digicare+ Workplace app, provided by Square Health. it gives them the guidance they need to help detect, manage and prevent physical and mental health problems. It helps your employees stay on top of their health. From a yearly Health Check to clinical help and opinions to consultations with experts, if offers the peace of mind they need to live their best lives. Terms apply.

Aviva Line Manager Toolkit: Mental Health

Developed by mental health professionals, the Aviva Line Manager Toolkit: Mental Health offers video modules and downloadable materials aimed at helping line managers spot the warning signs of poor mental health. It also helps them identify reasonable adjustments and manage professional boundaries.

The toolkit gives your managers more confidence to have supportive conversations with team members, so they can address issues before they become more serious. Terms apply.

Get Active

With Get Active, your insured employees can get discounts at over 3,000 health and fitness clubs, plus great at-home fitness offers and a range of savings on other products and services. It's all designed to help keep them and their families active, healthy and happy. Terms apply.


RedArc is a nurse advice and support service available to insured employees who make a claim through Group Critical Illness cover. The service offers employees and their families long-term practical and emotional support over the telephone from a dedicated Personal Nurse. It's completely confidential and RedArc won't pass any information to any third party without the employee's consent. 

Stress Helpline

Provided by Care first, the Stress Helpline offers insured employees over the age of 16 the chance to talk in confidence to trained counsellors about issues they feel are causing them stress.

The helpline can be a good place for employees who need help with personal or work-related stress issues. Talking and sharing can be the first step in helping to work through problems and resolve them, aiming to achieve the best outcome for employees and employers.

Wellbeing Library

Stress and worry can take a toll on wellbeing, wherever it comes from. The Wellbeing Library is an online library of useful content, hints and tips – including guides and tools. In the Wellbeing Library, your employees will find sections offering helpful support on all kinds of situations, from family and relationships, money or work, mental or physical health conditions. Whatever's on their mind, they can find information to help them deal with it. 

Our Group Critical Illness Wellbeing services page gives more detailed information on all of the services above and how they could help you, your employees and your business.

Our Group Critical Illness Protection Wellbeing services page gives more detailed information on all of the services above and how they could help you, your employees and your business.

How to apply

If you'd like to apply for Group Critical Illness, please speak to your financial adviser.  An adviser may charge for their services.

If you do not have a financial adviser you can find one by visiting

Or, simply get in touch with your Aviva Group Protection account manager if you have one.

Please note, we are currently unable to offer direct quotes for Group Critical Illness.  If you have any further questions, we'll be happy to help.

Making a claim

It's quick and simple to make a claim if your employee, their partner or child is diagnosed with a critical illness.

Step 1

Tell us within three months

Either you or your employee should let us know about the illness or operation within three months of diagnosis. Call us on 0800 015 7523 or send the link to this page to your employee, so they can complete the online form.

We’ll ask for some information about your employee or their partner or child. We'll contact them directly for more information about their condition. We may also need their consent to contact the doctors involved in the diagnosis and treatment.

Step 2

Provide us with some information

Once we've received the consent, we'll get in touch with the doctor or specialist treating your employee for more information.

Step 3

We’ll request medical information

If we’re happy with the details about the illness or operation, we’ll arrange to pay the lump sum.

Make a claim online

It’s quick and easy – just answer the questions in our online claim form, and we’ll be in touch.

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Looking for something else?

We offer a range of flexible insurance options to support your employees and business needs.