Group critical illness cover

A tax-free cash lump sum for your client’s employees

Group critical illness cover pays out a lump sum if your client’s employee is diagnosed with a specified critical illness or condition and then in most cases survives for at least 14 days.

Key features

  • Pays up to £500,000 maximum benefit level or five times scheme earnings (whichever is less)
  • Covers up to 38 conditions - 12 major conditions as standard and an additional 26 more conditions can be added
  • To help manage your client’s costs and allow employees further control of their benefits, it may be useful to consider flexible and voluntary benefits.
  • Automatically covers children. Spouses and registered civil partners can also be covered at an additional cost
  • Easy to set up - most employees can be covered without needing medical underwriting
  • Includes access to a comprehensive Employee Assistance Programme for all your client’s employees including those we aren’t covering. Available 24 hours a day online and by phone, employees have unlimited access to experienced counsellors, legal representatives and nurses, 365 days a year. Find out more about these extra benefits, under Worklife Solutions

Benefits for your clients

  • Flexible value for money benefit – cover can usually be provided for less than 1% of payroll depending on the level of cover and benefits chosen
  • A valuable financial safety net that can help them attract and keep the right staff
  • Fast claims process – payments are made as soon as we’ve accepted the claim, usually within five working days

Read more

We'll continue to provide cover and pay any valid claims as long as premiums are paid and the policy terms are met. There are some circumstances where we won't provide cover. You can find out more about in our PDF file: Critical illness cover technical guide PDF size: 601KB . In particular, please read about pre-existing and related conditions that we can’t cover.