Group Critical Illness

What can this policy cover?

Group Critical Illness pays out a lump sum if your employees are diagnosed with a critical illness or undergo one of the operations that meet our policy definition and survive for at least 14 days. We only cover the critical illnesses we define in our policy and no others.

You can select a benefit level to suit your budget up to a maximum of 5 x the employees' salary or £500,000 (whichever is lower). You can choose whether or not you would like to include your employees' spouse or partner under the policy.

The policy also covers members' children, including legally adopted and stepchildren, aged up to 18 years old (21 years old if in full-time education). If they need to claim under the policy a lump sum payment may be payable up to 25% of the member's benefit (up to a maximum of £20,000).

Under both standard and extended cover there are options to provide a benefit if an employee:

  • Is diagnosed with cancer and the cost of any cancer drugs is rejected by their local commissioning body on financial grounds.
  • Becomes totally and permanently disabled.

Extra care at no extra cost

As a member of a Group Critical Illness scheme your employees have access to a range of additional services from trained professionals at no extra cost.

Best Doctors®

Best Doctors provides expert medical information, advice and second opinions, connecting members to world-leading medical expertise. The service is available to everyone covered by a Group Critical Illness product, their spouse/civil partner and any dependant children (including legally adopted children and stepchildren) at any time. This extra value service is provided as standard but is non-contractual and may be withdrawn by us at any time without notice.

Find out more about Best Doctors(PDF 742KB)

Best Doctors is a registered trademark of Best Doctors, Inc. in the United States of America. Used with permission.


RedArc is a Personal Nurse Advice service which has been supporting people with serious health conditions for 18 years. For an employee diagnosed with a critical or terminal illness, their service can help them and their family.

At the heart of the service is the Personal Nurse Adviser, a highly experienced registered nurse who will provide tailored support to meet each person’s particular circumstances.

The Personal Nurse Adviser will be available by telephone to provide practical and emotional support for as long as needed.

Also, where appropriate, they can arrange:

  • A face to face second medical opinion from a UK-based specialist, or
  • A course of therapy i.e. counselling or complementary or occupational therapy.

The service is a non-contractual benefit that can be withdrawn at any time by Aviva without notice.

Stress Helpline

The 24/7 Stress Helpline provided by Care first gives employees access to an ‘in the moment’ helpline handled by BACP accredited counsellors that assists callers with regaining some sense of control when overwhelmed. This is achieved by providing on the spot support, which allows callers space to 'off load' and gain new perspective. This one-off counselling facility provides practical strategies and caller 'empowerment' not just to feel better but to do something about the situation they face.

All of these services are confidential and the service providers will not share with us any personal information which are provided to them.

All these services are non-contractual benefits that can be withdrawn at any time by Aviva without notice.

What is covered by our Group Critical Illness product?

These 'standard conditions' are covered by our Group Critical Illness product

  • Alzheimer's disease – resulting in permanent symptoms
  • Cancer – excluding less advanced cases
  • Childcover benefit - children's intensive care (requiring ventilation for seven days); cerebral palsy; cystic fibrosis; hydrocephalus; muscular dystrophy and loss of independent existence (not related to a congenital condition)
  • Cancer drug fund as an optional add-on
  • Cardiac Arrest
  • Coronary artery by-pass grafts
  • Creutzfeldt-Jakob disease – resulting in permanent symptoms
  • Dementia – resulting in permanent symptoms
  • Heart attack – of specified severity
  • Kidney failure – requiring dialysis
  • Major organ transplant
  • Motor neurone disease – resulting in permanent symptoms
  • Multiple sclerosis – with persisting symptoms
  • Parkinson's disease – resulting in permanent symptoms
  • Progressive supranuclear palsy – resulting in permanent symptoms
  • Stroke - resulting in permanent symptoms
  • Total permanent disability – unable to do a suited occupation every again or unable to do their own occupation ever again*

These conditions are also included if you choose extended cover...

  • Aorta graft surgery
  • Aplastic anaemia – with permanent bone marrow failure
  • Bacterial meningitis – resulting in permanent symptoms
  • Benign brain tumour – resulting in permanent symptoms or removed via craniotomy
  • Benign spinal cord tumour
  • Blindness – permanent and irreversible
  • Cancer drug fund
  • Cardiomyopathy – of specified severity
  • Coma – resulting in permanent symptoms
  • Coronary angioplasty – to two or more coronary arteries
  • Deafness – permanent and irreversible
  • Encephalitis – resulting in permanent symptoms
  • Heart valve replacement or repair
  • HIV infection – caught in the UK from a blood transfusion, a physical assault or at work in an eligible occupation
  • Liver failure – of advanced stage
  • Loss of hand or foot – permanent physical severance
  • Loss of independent existence - permanent and irreversible
  • Loss of speech - permanent and irreversible
  • Open heart surgery – with surgery to divide the breastbone
  • Paralysis of limbs – total and irreversible
  • Primary pulmonary arterial hypertension
  • Pulmonary artery graft surgery
  • Respiratory failure – of advanced stage
  • Rheumatoid arthritis – chronic and severe
  • Systemic lupus erythematosus – with severe complications
  • Terminal illness
  • Third degree burns – covering 20% of the body's surface area or 30% loss of surface area to the face
  • Total permanent disability – unable to do a suited occupation ever again or unable to do their own occupation ever again*
  • Traumatic head injury – resulting in permanent symptoms

*Aviva Group Protection reserves the right not to include Total Permanent Disability cover, or to offer the cover on a different basis for certain occupations.

Some conditions are not covered by Critical Illness Cover

It's important to remember that Group Critical Illness will not pay a claim for any pre-existing conditions. It also excludes associated conditions, such as critical illnesses or operations that are related to pre-existing conditions. For example, one of your employees may have had a heart attack before joining the scheme. Any related illness would not be covered, so we wouldn't pay a lump sum if they later needed coronary artery by-pass surgery.

If one of your employees:

  • has suffered from a critical illness, or had any operation specified in the policy, at any time before they join the scheme; or,
  • is already suffering from a critical illness or is waiting for any operation that is specified in the policy,

they will not be able to claim for a diagnosis that confirms a recurrence of the same critical illness or a need for the same operation while they are covered by the policy.

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