Group Critical Illness

• Choose between two types of cover:
  • 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 27 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 480KB).
• Child cover
  Our child cover pays up to a maximum benefit of £25,000.
  
  Covers your employee's children, including adopted and step-children, from birth until their 18th birthday, or until their 23rd birthday if they are in full time education.

This benefit also provides cover for 5 child specific conditions, 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 where the NHS won't pay for 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 if they're diagnosed as totally and permanently disabled.

What's not included?

• Pre-existing conditions
  We do not provide cover for pre-existing conditions or conditions related to pre-exisiting conditions. We also limit the circumstances where benefit can be claimed if there has been an associated condition. For Cancer – second and subsequent there are different terms.
  See our Group Critical Illness Technical Guide (PDF 480 KB) for further information.
• Terminal illness
  We will not be able to pay a claim for terminal illness if the employee or child died before you notified us of the claim.
  
• Options which do not cover 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.
• Alcohol or drug abuse
  We will not pay a lump sum benefit if the critical illness or operation is a direct or indirect result of drug or alcohol abuse.