Some benefits are automatically included in our critical illness plans, whereas others can be added for an extra cost.
Optional benefits must be added when the plan is first taken out.
All benefits and options are available for both Critical Illness Cover and Critical Illness Extra.
£5,000 if the client is admitted to hospital with physical injuries for 28 consecutive days following an accident. Physical injury must have resulted solely and directly from unforeseen, external, violent and visible means and must be independent from any other cause.
Only one claim can be made for each life insured. The benefit won’t be paid if a valid claim has already been made for a terminal or critical illness.
We’ll cover your client from when we receive the application, for up to 90 days or until we accept, postpone or decline their application.
This means that if they die due to an accident during this time, we’ll pay out the amount they’ve asked to be insured for, up to a maximum of £300,000 for all applications.
The amount will be paid out if the person, or one of the persons covered sustains bodily injury which is the sole cause of death and if the death occurs within 90 days of such an accident.
The lump sum will be paid only once, either under the Accidental Death Benefit, Free Life Cover, Immediate Cover or the policy itself.
Accidental death benefit only applies to the life element of any Critical Illness Cover plan.
Please read the PDF file: Accidental death and cover certificate PDF size: 51.70KB for exclusions and limitations.
Allows your client to increase their cover without providing further medical evidence:
Your client can change their plan up to three times in total and must make the change within six months of the event.
Eligibility criteria apply, but full details about when and how clients can change their policy can be found in our PDF file: Product Profiles PDF size: 961.79 .
Your client can request to make other changes to their policy, such as:
Additional underwriting may be required. Please see our PDF file: Product Profiles PDF size: 961.79 document for more details.
Children are covered for all the conditions listed in their parents’ Critical Illness Cover or Critical Illness Extra (if Children’s Critical Illness Extra is chosen) except Total and Permanent Disability and Terminal Illness Cover.
Children won’t be covered if the condition was present at birth, or the symptoms first arose before the child was covered, or if the child dies within 10 days of diagnosis of a critical illness.
Provides cover if the life insured dies before a property purchase is completed and before their mortgage protection plan starts.
The person covered must have been accepted on standard terms for one of our mortgage protection plans and we’ve received all the information needed to put the policy on risk.
Pays out the life cover applied for, the amount of the loan, or £300,000 (whichever is lower).
Cover is provided for up to 90 days between exchange of contracts and completion (or between conclusion of missives and date of entry in Scotland).
The person covered should be under 55 when the mortgage is taken out (older life for joint life plans) and no other plans covering the same mortgage can be in force or applied for.
The lump sum will be paid only once, either under the Accidental Death Benefit, Free Life Cover, Immediate Cover or the policy itself.
For critical illness policies or life insurance policies where critical illness is added as a rider, this cover will be for death only.
Applies when we assume the risk before the client has been fully underwritten. An application must be made to request immediate cover and it is only provided for up to 60 days. Cover for Critical Illness cannot exceed £1.5 million.
Requests for Immediate Cover are not guaranteed. Please refer to the form for more details.
Access included as standard
Includes advice and support from experienced registered nurses in the following areas:
Insured by AXIS Specialty Europe SE. The support and services are provided by Trustedoctor, a sister company of Further Underwriting International SLU
Insured by AXIS Specialty Europe SE. The support and services are provided by Trustedoctor, a sister company of Further Underwriting International SLU
Pays out the sum insured if the client is diagnosed as being terminally ill, and in the opinion of their hospital consultant and our Medical Officer, the illness is expected to lead to death within 12 months.
We won’t pay out after the death of the life insured or if the policy term at outset is less than two years.
For joint life policies, we’ll only pay out once.
If Decreasing Life Insurance is chosen, then the terminal illness cover will decrease as the life cover decreases.
Once the claim has been paid, no further benefits will be payable, and the policy will end.
Terminal Illness Cover only applies to the life element of any Critical Illness Cover plan.
Pays out the sum insured if the client becomes totally and permanently incapacitated with no prospect of improvement at any time.
One of two definitions of disability can apply, either Own Occupation or Specified Work Tasks. The policy booklet specifies which definition applies. Our PDF file: Product Profiles PDF size: 961.79 explains the definitions.
Clients won't have to pay their premiums after 26 weeks if they are incapacitated due to illness or injury and are unable to do their normal job.
Incapacity is defined as either Own Occupation or Specified Work Tasks and depends on your client’s employment status. The policy documentation outlines which definition applies.
Premiums will continue to be waived until the client is no longer incapacitated, the plan pays out or the cover ends.
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