Group Critical Illness Insurance


Supporting your employees when they need it most

What’s Group Critical Illness Insurance?

Group Critical illness cover will pay a tax-free lump sum to an employee if they’re diagnosed with a critical illness, or they undergo an operation as defined under the policy. (We’ve included a list of illnesses and operations we cover below.)

Your employees’ health and wellbeing is important to us. And we never want them to worry about their finances as well as their health – so they can use the cash lump sum as they wish.

And that’s not all. We automatically cover your employees’ children. This means we’ll help if they’re diagnosed with a critical illness or one of the child-specific conditions covered in our policy. For Spouse/Partner critical illness cover, your employee could add this to their policy via Aviva Flex-pertise employee benefits.

What are the benefits?

There are plenty of ways Group Critical Illness cover can help you and your employees in the event of an illness.

For you

  • Manage your costs

    Choose the level of cover that suits your budget as well as your employees’ needs.

  • Take care of their wellbeing

    The extra support could help them recover and see them return to work sooner.

  • Stand out from your competitors

    Offer potential and current employees more than just a salary – invest in their health and wellbeing.

For your employees

  • Help them get back on their feet

    They can use the lump sum payment if they need to make home or lifestyle adjustments.

  • Financial peace of mind

    Let your employees concentrate on feeling themselves again without worrying about money.

  • Specialist support when they need it

    They can use Best Doctors®, RedArc and our 24-hour Stress helpline at no extra cost.

Why choose Aviva’s Group Critical Illness insurance?

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

Ongoing cancer cover

We’ll support your employees whether it’s their second, third or fourth diagnosis of cancer as defined under this policy.

Cancer Drugs Fund

For a little extra, your employees could get up to £100K for cancer medication not covered by the NHS.

Child cover

We automatically cover children (up to £20K) for 7 child-specific conditions, as well as adult conditions included in this policy.

Personalise your policy

With Aviva Flex-pertise, you can combine Group Critical Illness with some of our other policies, such as Group Income Protection or Group Life insurance.

What does Group Critical Illness cover?

You can choose between two types of cover – Standard or Extended – depending on your employees’ needs. Here’s some of what they include.

Standard

Covers 15 critical illnesses and operations including:

  • Cancer (excluding less advanced cases)
  • Cancer (second and subsequent)
  • Heart attack
  • Stroke
  • Major organ transplant
See our full list of Standard and Extended cover (PDF 0.38MB)

Extended

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
  • Terminal illness

Child cover

It’s automatically included and covers child-specific conditions such as

  • Cerebral palsy
  • Cystic fibrosis
  • Hydrocephalus
  • Muscular Dystrophy
  • Spina Bifida
See our full list of child cover (PDF 0.25MB)

Boost your cover with

Cancer Drugs Fund

This add-on gives your employee(s) access to a fund of up to £100K to pay for cancer drugs and follow-up expenses. But they can only use this if the NHS Trust won’t pay for their treatment.

Total Permanent Disability (TPD)

Our optional extra will protect your employee(s) even if they’re diagnosed as totally and permanently disabled from working.

What isn’t included?

With Group Critical Illness, we’re unable to cover employees suffering from a pre-existing condition.
You can see our terms and conditions below for more information.

Get more from Group Critical Illness insurance

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.

Best Doctors image

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 a face to face course of therapy or counselling, a UK second medical opinion and put your employee in touch with relevant charities and local support groups. The same Personal Nurse Adviser will tailor their support to the to the particular needs of your employee for as long as they need it.

This service is also available to the immediate family of your employees.

Stress counselling helpline provided by Care first

Dealing with stressful situations can be overwhelming for your employees and could lead to even more tension. But a call to the stress counselling helpline could help them manage any challenges they’re facing.

Provided by Care first, the helpline gives your employees access to support from counsellors accredited by the British Association for Counselling & Psychotherapy.

They can call 24 hours a day, seven days a week, and there’s no limit to the number of times they can ring. Calls are also completely confidential.

This is a non-contractual benefit for members covered by Group Critical Illness and Group Life schemes aged 16 and over.

All added value benefits are non-contractual benefits, and can be withdrawn by Aviva at any time, without notice.

Making a claim

It’s quick and simple to make a claim if your employee, their spouse/partner or child is diagnosed with a critical illness. Here is a summary of the 4 step process:

1. Tell us within three months

You should let us know about the illness or operation within three months of diagnosis.

2. Provide us with some information

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.

3. We’ll request medical information

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

4. We’ll pay the lump sum

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

Still need some help?

If you’d like to take out a policy or you have any questions or queries, please speak to your financial adviser. Or simply get in touch with your Aviva Group Protection account manager if you have one and we’ll be happy to help.

0800 145 5684

Our lines are open Monday to Friday 9am - 5pm. For joint protection, we may record and/or monitor calls.

Other business cover

Group Life Assurance

We’ll offer financial and emotional support when your employees’ loved ones need it most.

Group Income Protection

We’ll support you and your employee(s) financially if there’s a long-term absence, due to illness or injury. And we’ll help them return to work.

Aviva Flex-pertise

Choose the core cover you want to offer and let your employees add the benefits that are right for them.