Financial and emotional support when a critical illness strikes
Designed to pay out a tax-free lump sum if an insured employee is diagnosed with a specified critical illness or condition and for most conditions survives for 14 days. Can provide cover for up to 41 conditions.
|Minimum policy size||
From 10 employees.
|Maximum policy size||
|Types and amount of benefit available||
For employees - up to £500,000, or five times scheme earnings, whichever is lower.
For spouses and registered civil partners - up to £250,000.
The children of an insured employee are included as standard from birth to age 21. The amount of cover payable for an eligible child is the lower of 25% of the insured employee’s cover and £20,000.
|Cover for spouse, partner or registered civil partner||
An employee’s spouse, partner or registered civil partner can be covered for an additional cost.
Choose different benefit levels for defined groups of employees.
|Number of conditions covered||
Core cover – 14 conditions
Additional cover – an extra 26 conditions, covering 40 conditions in total
Children are covered for the same conditions as the insured employee. Plus, we also provide an additional 6 child-only core conditions.
This is the maximum amount of cover we can provide before we ask for medical underwriting.
Up to £500,000 benefit for employees depending on policy size and benefit choices.
All employees, or a clearly defined group of employees.
16 to 70. Maximum of state pension age for terminal illness and total and permanent disability conditions.
Can be made monthly or annually.
|Cover during temporary absence||
Continued up to 3 years if absence is due to an illness or injury.
Continued for 1 year if absence is for any other reason, such as sabbatical.
Options to continue cover for other durations are also available, including continuing cover up to the maximum cover age if the absence is caused by an illness or injury.
Continues during overseas business trips. Cover for overseas workers, residents and secondments individually considered.
|Pre-existing conditions exclusion||
We won't pay benefit for any specified condition, before an insured person's cover starts, that was diagnosed or which they:
|Related conditions exclusion||
We won't pay benefit for an insured condition within two years of cover starting if it results from a related conditions which they:
Designed to keep employees healthy and happy at work, our EAP is offered to employers at no extra cost. Available to all employees of clients who are covered with us, even if the policy doesn’t cover them, this comprehensive support is available 24 hours a day, 365 days a year.
Employee assistance programme
Our Employee Assistance Programme (EAP) is a free, day-to-day wellbeing and counselling service that provides in the moment support to employees and their immediate family, 24/7 and 365 days of the year.
Employees can speak in confidence to experienced counsellors and advisers for friendly, non-judgemental support and information, 24 hours a day, 365 days a year. It’s accessible worldwide by phone, WhatsApp and SMS.
|Day-to-day information services||
Help with a range of topics, such as finances, career coaching, consumer advice, relationship mediation and much more.
|Legal information service||
Legal issues can be worrying, so it makes sense to get free initial information from a trained legal professional. The EAP can put employees in touch with solicitors who can help with a wide range of issues.
Whether employees are looking for a sympathetic ear or practical guidance, they can speak to a qualified nurse about a range of medical or health-related issues.
|Employee app and platform||
Employees get much more than just an ordinary EAP. Our platform and app provides total wellbeing support through a whole host of health and wellbeing tools and resources to help employees be well, stay fit, remain healthy and in work.
Employees have access to a digital gym, fitness and nutrition plans with hundreds of recipes, weekly podcasts, our monthly wellbeing webinar series, mental health e-learning, high street shopping discounts and much more.
1. Second Medical Opinion
Provided by MEDIGO
The Second Medical Opinion service provides employees we’re covering and their immediate families with access to a global network of medical specialists. The specialist will offer second opinions on diagnoses and treatments for almost any condition, allowing the employee to understand the potential impact of their condition and evaluate the most appropriate clinical pathway for their needs.
The Second Medical Opinion service can help to:
- Avoid unnecessary treatments
- Improve treatment outcomes
- Provide peace of mind
- Empower individuals to make informed choices on their healthcare
Typical specialities covered are Oncology, Neurosurgery, Orthopaedics, Cardiology, Gynaecology, and Paediatrics.
Second Medical Opinion offers a complete written evaluation of a patient’s medical history and diagnosis based on their available medical reports.
A specialist doctor (or a team of specialist doctors) from a leading medical institution with expertise in the diagnosis and treatment of the specific disease will either confirm the diagnosis and/or treatment plan or recommend a different diagnosis and/or alternative treatment plan(s) based on the latest advances in modern medicine and global standards of treatment for the condition.
To access the Second Medical Opinion service, the insured or their representatives can contact Medigo on 020 3871 8760 or by registering online by visiting our portal page.
Provided by Legal & General Health and Care
Only when elder care for a loved one needs to be considered does the realisation set in that the long-term care system is confusing and very complex. To support employees during this often emotionally charged and stressful period, we’ve introduced Care concierge. This telephone service and the online care service platform, provides employees with access to a care expert for guidance about a loved one’s later life care needs.
Notify us about a claim
Claims can be made by completing our online Claim Notification Form
Member claim form
When we receive the Claim Notification Form we may contact the insured person and ask them to complete a Member Claim Form. The insured will be able to complete this online if we are provided with their personal email address on the Claim Notification Form.
We’ll assess the information on the claim form to check if the insured person is eligible for cover. We’ll also need medical information to help us check the claim against the insured condition definition as well as our pre-existing and related conditions exclusions. This medical information could be a report from the insured person’s doctor or medical consultant. We’ll pay the cost of any medical reports we ask for.
For most insured conditions we’ll pay the lump sum if the insured person survives for 14 days after meeting the definition for the insured condition.
Payment is made to the insured or their representatives within 5 working days of the claim being accepted.
0345 072 0758
Lines are open from 9am to 5pm Monday to Friday
We may record and monitor calls.