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 – 15 conditions
Additional cover – an extra 26 conditions, covering 41 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.
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 that was diagnosed before the insured person was covered by the scheme.
|Related conditions exclusion||
We won’t pay benefit for an insured condition that occurs within two years of an insured person being covered through the scheme and results from a related condition which they:
An insured person’s cover can continue for new subsequent unrelated illnesses after a claim has been paid.
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.