What's covered

Group Critical illness pays out a lump sum if the insured employee has been diagnosed with a specified serious illness or condition, and then in most cases survives for at least 14 days. We only cover the critical illnesses we define below.

Standard cover

Our core Group Critical Illness policy covers the following twelve conditions:

  • Alzheimer’s disease resulting in permanent symptoms
  • Cancer including Hodgkin’s disease, excluding less advanced cases
  • Coronary artery by-pass grafts with surgery to divide the breastbone
  • Creutzfeldt-Jakob disease resulting in permanent symptoms
  • Heart attack of specified severity
  • Kidney failure requiring dialysis
  • Major organ transplant
  • Motor neurone disease resulting in permanent symptoms
  • Multiples sclerosis with persisting symptoms
  • Parkinson’s disease resulting in permanent symptoms
  • Pre-senile dementia resulting in permanent symptoms
  • Stroke resulting in symptoms lasting at least 24 hours

Additional cover

Our additional Group Critical Illness policy also covers all these conditions for an additional cost: 

  • Angioplasty to treat specific conditions of specified severity
  • Aorta graft surgery requiring surgical replacement
  • Aplastic anaemia with permanent bone marrow failure
  • Bacterial meningitis resulting in permanent neurological deficit
  • Balloon valvuloplasty to relieve heart valvular abnormalities
  • Benign brain tumour resulting in either surgical removal or permanent symptoms
  • Blindness - permanent and irreversible
  • Cardiomyopathy of specified severity
  • Coma resulting in permanent symptoms
  • Deafness - permanent and irreversible
  • Encephalitis resulting in permanent neurological deficit
  • Heart surgery with surgery to divide the breastbone
  • Heart valve replacement or repair with surgery to divide the breastbone
  • HIV infection caught in a specified country from a blood transfusion, a physical assault or at work in an eligible occupation.
    • The specified countries for HIV infection are Australia, Canada, Channel Islands, a European Union country, the Isle of Man, Japan, New Zealand and USA.
    • The eligible occupations for HIV infection caught at work are emergency services (police, fire and ambulance), medical profession including administrators, cleaners, dentists, doctors, nurses and porters, and armed forces
  • Liver failure of advanced stage
  • Loss of hands or feet - permanent physical severance
  • Loss of independent existence (including muscular dystrophy) - permanent and irreversible
  • Loss of speech - permanent and irreversible
  • Paralysis of limbs - total and irreversible
  • Pulmonary artery surgery to excise and replace with a graft
  • Respiratory failure of advanced stage
  • Rheumatoid arthritis of specified severity
  • Terminal illness before state pension age where death is expected within 12 months
  • Third degree burns covering 20% of the body’s surface area
  • Total and permanent disability - before state pension age and of specified severity
  • Traumatic head injury resulting in permanent symptoms

For Additional cover we can:

  • cover Total And Permanent Disability on an 'own occupation basis'; or
  • cover Total And Permanent Disability on an 'any occupation basis'; or
  • exclude cover for Total And Permanent Disability and Terminal Illness.

We'll tell you in our quote which we're covering.

Family cover


Our policy automatically includes employees’ children aged between 30 days and 21 years, as long as

  • they don’t have a pre-existing or related condition,
  • they are not married or in a registered civil partnership,
    and they are:
    • a child of the insured employee or
    • a stepchild of the insured employee due to marriage or registered civil partnership who is financially dependent upon the insured employee or
    • legally adopted by the insured employee

Children are covered for the same illnesses and conditions as the insured employee. The benefit payable under the policy is 25% of the employee’s benefit up to a maximum of £20,000. Cover for a child is dependent on the employee remaining in the policy.

Spouse or registered civil partner

An employee’s spouse or registered civil partner can be covered for an additional cost.

Payment for benefit under children’s cover and the spouse or registered civil partner cover will be subject to the pre-existing and related conditions exclusions, described in detail under what’s not covered.