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 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.
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.
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.
Added value benefits
Give your employees access to medical and emotional support whenever they need it.
Best Doctors® second medical opinion
When faced with a medical problem, your employees need answers. Their health and wellbeing is precious, so a second medical opinion from Best Doctors ® could offer new information, resulting in an alternative recommended treatment plan or, in some cases, a change in diagnosis.
Best Doctors® will select a specialist from their database of over 50,000 experts, who will review your employee’s medical information and provide their expert second opinion.
They will then talk your employee through the diagnosis and treatment recommendations and provide them with a confidential report that they can share with their doctor.
This service can be used for a wide range of conditions affecting everyday life, anything from eczema to cancer. It does not cover mental health, dental and emergency conditions.
© 2019. Best Doctors and the star-in-cross logo are trademarks of Best Doctors, Inc., in the United States and in other countries. Used with permission.
Transcript
RedArc Personal Nurse Service
RedArc nurses provide confidential, practical advice and emotional support for any long-term health condition such as cancer, stroke, depression and anxiety. They will take the time to listen to your employee and help them to navigate the UK health system, understand their diagnosis and all its consequences, discuss options, and provide information, resources and guidance.
They can also arrange additional face to face services such as counselling, therapy and a UK second medical opinion and put your employees in touch with relevant charities and local support groups. The same Personal Nurse Adviser will tailor their support to the particular needs of your employee and stay in touch for as long as they need.
This service is also available to the immediate family of your employees.
Stress counselling helpline provided by Care first
From time to time we all experience stressful situations, which can make us feel overwhelmed. A call to the Stress Helpline, provided by Care first, could help your employees to deal with whatever it is that's concerning them.
Counsellors are on hand 24 hours a day, and are able to support with any emotional issue, confidentially. There is no limit to the number of times you and your employees can access the helpline.
This is a benefit for members aged 16 and over.
All added value benefits are non-contractual benefits, and can be withdrawn by Aviva at any time, without notice.
Award winning cover
We are delighted to have won the award for Best Group Critical Illness at the Cover Excellence Awards 2019. The expert panel of judges commended the scope and reach of the cover and service we provide, and how we are leading the way in offering cover for those diagnosed with a second cancer and child-specific conditions.
How to apply
If you'd like to apply for Group Critical Illness, please speak to your financial adviser.
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 cover. If you have any other questions, we'll be happy to help.
Call us
Monday to Friday: Monday 9:00 to 17:00
Email us: groupprotectionsalessupport@aviva.com
For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of five years. Calls to 0800 numbers from UK landlines and mobiles are free.
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.
Tell us within three months
You should let us know about the illness or operation within three months of diagnosis. You can do this by calling us on 0800 015 7523 or emailing groupciclaims@aviva.com
We’ll ask you for some information about your employee and we will contact them directly to obtain further information about their condition (or their partner/child’s condition as applicable) and to request consent to contact the doctors involved in the diagnosis and treatment.
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.
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.
Business perspectives
Expert business insight and analysis
Good business / 20 Jan 2020
Are great workplace benefits within reach for small businesses?
With employees looking for more benefits than just a workplace pension, how can small businesses stand out from the crowd?
Read more
Health & Wellbeing / 14 Jan 2020
5 reasons why employers should be supporting alcohol awareness
Don Shenker, founder of the Alcohol Health Network, explains why businesses should be educating their employees about alcohol consumption.
Read more
Health & Wellbeing / 10 Jan 2020
Can group protection help solve 2020’s recruitment wars?
Are skills shortages and recruitment issues here to stay? Can improved employee benefits packages with group protection add value?
Read more
Health & Wellbeing / 9 Jan 2020
SMEs and cancer: how employee benefits packages can help
Steve Browning, Group Protection Proposition Manager at Aviva, looks at some potential solutions.
Read more
Resilience / 16 Dec 2019
Business Continuity Planning: Where do we start?
Pete Holmes, Aviva Risk Consultant, answers everyone’s first question on how to plan for the unexpected.
Read more
Health & Wellbeing / 11 Dec 2019
Let’s talk about the menopause
The menopause doesn’t just affect women in the workplace – it’s an issue for us all. So, why don’t we talk about it more?
Read more
Good business / 10 Dec 2019
Helping employees to find the weekend ‘off switch’
Aviva’s research shows it takes an average of 1 hour 49 minutes to shut off from work. Is there a faster route to the 'off switch'?
Read more
Health & Wellbeing / 6 Dec 2019
5 cost-effective wellbeing ideas
Many employers would like to increase productivity. But the question of how can be a difficult one to answer.
Read more
Pensions / 4 Dec 2019
How being human stops you saving into a pension
If people value what they have now more than what they may get in the future, how can you get them to save for their retirement? Dale Critchley explains.
Read more
Health & Wellbeing / 29 Nov 2019
How could giving away a few apples make a difference?
Debbie Bullock, Aviva Wellbeing Lead, explains why healthy eating initiatives add up to more than the sum of their parts.
Read more
Health & Wellbeing / 25 Nov 2019
Work anxiety: how email etiquette can help your workforce
When it comes to work anxiety, the humble email can be both cause and solution – or even the means of diagnosing the problem…
Read more
Health & Wellbeing / 13 Nov 2019
Why supporting menopause in the workplace is urgent and important
Deborah Garlick, Director at Henpicked: Menopause in the Workplace, explains why introducing menopause support at work makes sense for savvy organisations.
Read more
Health & Wellbeing / 6 Nov 2019
5 top tips for successful return-to-work plans
Helping employees return to work is a big part of your group protection plan, but the key aim is to make it successful.
Read more
Health & Wellbeing / 4 Nov 2019
A preventative approach to boosting wellbeing
Resilience training is an effective measure for helping employees cope with the demands of work.
Read more
Health & Wellbeing / 25 Oct 2019
5 ways to help employees with Seasonal Affective Disorder
You may have heard of Seasonal Affective Disorder (often known as SAD), but are you sure you know what it is? As an employer, you need to be aware of this as it could affect some of your employees.
Read more
Resilience / 23 Oct 2019
What does business resilience mean today?
We assess how the perception of business resilience has changed over time, and what employers must learn from emerging trends.
Read more
Looking for something else?
We offer a range of flexible insurance options to support your employees and business needs.