Group Critical Illness Cover.

What it is

Group Critical Illness Cover provides a tax free lump sum benefit to eligible employees who suffer from or undergo a specified insured condition after a specified survival period. We also offer a free telephone based employee assistance programme (EAP) – WorkLife Solutions with every scheme. The EAP service is provided by PPC Worldwide, it aims to help give employees support when they need it. Available 24 hours a day online and by phone, employees have unlimited access to experienced counsellors, legal representatives and nurses, 365 days a year.

What are the key features

• We’ll pay a lump sum of up to five times scheme earnings or £500,000 (whichever is less) if the employee is diagnosed with the conditions we cover and survives a specified period, 14 days for most conditions.
• Spouses and registered civil partners can also be covered for up to £150,000 or an amount equivalent to the level covering the member, if less.
• Employees joining a voluntary plan can apply for cover for up to the lesser of £250,000 or five times their P60 earnings.

Find out more on our product features page.

Why work with us

• Our experience - As a leading provider of group critical illness and flex benefits, we understand our customer and develop product initiatives that reflect their changing needs.
• Options - We cover up to 38 conditions, 12 under our Core option and 26 under our Additional option.
• Customer service - We were given sixteen 5 star awards in the F&TRC e-commerce Group Risk report, including Plain English and New eBusiness, for helping our customers understand what we can cover.
• Claims service – we deal with every claim on an individual basis with the aim to deliver the best customer service and experience.
• Industry awards - We were awarded the Cover Excellence Award in 2011 for our Group Critical Illness Cover for the fourth time.

Call us on 0845 072 0751 or speak to your regular Business Development Consultant and let us help you manage your client’s Group Protection policy.

You need to know

We’ll continue to provide cover and pay any valid claims as long as premiums are paid and the terms are met. There are some circumstances where we won’t provide cover which you can find out more about in our technical guide (PDF). In particular, please read the detail about pre-existing and related conditions.

Key documents

• Group Critical Illness Cover technical guide  PDF: 816KB
• Group Critical Illness claim form  PDF: 498KB