Group critical illness cover

Our most complete cover, helping you provide better support for your employees and their families.

Group critical illness cover pays out a lump sum if an insured employee is diagnosed with a specified critical illness or condition and then in most cases survives for at least 14 days.

Group Critical Illness Cover video

We’ve updated our Group Critical Illness Cover

We’ve increased the number of core conditions to 15 and updated our child cover terms so your client can feel confident that their employees are protected.

The new policy terms will apply to new business quoted after the 01/01/2019. Existing business will be updated in line with renewable terms at their next rate review:  For standard policies this will be updated from the 01/04/2019. Flexible and Voluntary policies will update from 01/07/2019

Key features

  • Covers up to 41 conditions - 15 core conditions as standard and an additional 26 more conditions can be added
  • Pays up to £500,000 maximum benefit level or five times scheme earnings (whichever is less)
  • To help manage your client’s costs and allow employees further control of their benefits, they may want to consider flexible and voluntary benefits.
  • Automatically covers children of the insured employee, from birth for 15 core conditions, plus six child only conditions. If the additional conditions are also chosen, the child will be covered by these too.
  • Spouses and registered civil partners of an employee can also be covered at an additional cost
  • Easy to set up - most employees can be covered without needing medical underwriting
  • Includes access to a comprehensive Employee Assistance Programme for all your client’s employees including those we aren’t covering. Available 24 hours a day online and by phone, employees have unlimited access to experienced counsellors, legal representatives and nurses, 365 days a year. Find out more about these extra benefits, under Worklife Solutions

Benefits for your clients

Flexible value for money benefit 

  • Cover can usually be provided for less than 1% of payroll depending on the level of cover and benefits chosen

Enhanced employee benefits

  • With Critical Illness Cover providing valuable support when it may be needed most, it can be used as part of a benefits package to help attract and retain top talent. 

Support for employee wellbeing

  • Employee performance and wellbeing go hand in hand.  If an employee is struggling with an issue or worry, they are unlikely to perform at their best. Critical illness cover can help provide the reassurance of a lump sum payment if they were to be diagnosed with a serious illness. Along with our employee assistance programme that’s provided at no extra cost  they’ll have access to useful information, support and crisis intervention on a range of issues, from legal worries to mental health support.

Flexible cover for your clients budget

  • Your client can choose to take out different levels of cover to suit their budget and the needs of their employees. Your client can choose to insure all or a defined group of employees, add additional conditions or offer the option for employees to personally select and pay for cover.

Easy to set up

  • Most employees can be insured without the need for lengthy medical underwriting. Helping to make it easier to set up a policy. We will check the medical history when there’s a claim, please see ‘What we can’t cover’ for further details. 

Fast claims process

  • Payments are made as soon as we’ve accepted the claim, usually within five working days. Find out more

Read more

We'll continue to provide cover and pay any valid claims as long as premiums are paid and the policy terms are met. There are some circumstances where we won't provide cover. You can find out more about in our PDF file: Critical illness cover technical guide PDF size: 1.2MB . In particular, please read about pre-existing and related conditions that we can’t cover.