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Product features.
Award winning solutions
Group Critical Illness Cover can help businesses provide a comprehensive protection benefit to their employees, enabling them to recruit and retain the best people for their company.
Normally, a minimum of 50 members is needed to first set up the policy.
Cover for employees | Up to £500,000 maximum benefit level or five times scheme earnings (whichever is less). Conditions under our core option are standard with all policies. Employers can also choose to take up our additional option, which will provide cover for a further 26 conditions. 14 day survival period. |
| Cover for non-employees | Cover is included for the members child(ren) and can be taken out to cover the members spouse or registered civil partner. Children We automatically provide cover for children of 25% of the member’s benefit or £20,000, whichever is less. There’s no limit to the number of children who can be covered. Spouse or registered civil partner Spouses or registered civil partners can be covered up to the lesser of £150,000 and the amount covering the member. |
| What’s not covered | We only cover the critical conditions we define in our policy. Cover is also subject to pre-existing and related conditions exclusions. You can read more about these in the technical guide or here. |
| Switching to us | Switching from another insurer to us is quick and easy. We’ll normally provide cover on the same basis for existing members, which means we can match the previous insurer’s benefit level and terms. The cost may not necessarily be the same and can go up. |
| Free limit | A free limit of up to £500,000. This should mean fewer requests for medical evidence. If we ask for more medical evidence, our tele-interview service is available to help members fill in health questions over the phone. |
| Claims process | Fast claim process – lump sum payments are made direct to the employer as soon as a claim is accepted. We aim for a turnaround time of five days from receiving all the required completed forms and evidence. |
| Employee Assistance Programme (EAP) | Free telephone based Employee Assistance Programme (EAP), Worklife Solutions immediately offers managers and employees 24 hour support to help them cope with life’s challenges. Free promotional literature is available. |
| Solution zone for advisers | We’ve developed a suite of marketing tools to help you deliver the right protection solution for your client. You can also access and download our useful online Group Critical Illness Cover admin guide to help you administer their 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. Policy terms will be unique to each business and there are some circumstances where we won’t provide cover. You can read more about the benefits and exclusions here or in our technical guide. We’ll give you the terms with our quote and you should read this together with our technical guide.
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