Group critical illness cover

The basic option is for a policy to include only the following 15 conditions:

• Cancer including Hodgkin’s disease - excluding less advanced cases
• Cancer second and subsequent – new and unrelated cancer
• Cardiac Arrest - with insertion of a defibrillator
• Coronary artery by-pass grafts - with large surgical incision through the chest wall or breastbone
• Creutzfeldt-Jakob disease (CJD) - resulting in permanent symptoms
• Dementia (including Alzheimer’s Disease) - of specified severity.
• Heart attack - of specified severity
• Kidney failure - requiring dialysis
• Major organ transplant - from another donor
• Motor neurone disease - resulting in permanent symptoms
• Multiple sclerosis - with current clinical impairment
• Parkinson’s disease - resulting in permanent symptoms
• Progressive supranuclear palsy - resulting in permanent symptoms
• Stroke - resulting in symptoms lasting at least 24 hours
• Systemic lupus erythematosus - resulting in permanent symptoms

A policy could have the following additional 27 conditions as well as the standard 15 core conditions:

• 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
• Coronary angioplasty - to treat specific conditions of specified severity
• Deafness - permanent and irreversible 
• Encephalitis - resulting in permanent neurological deficit
• Heart surgery - with surgery to divide the breastbone 
• Heart valve replacement or repair - requiring surgery
• 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 the United Kingdom, Australia, Canada, the Channel Islands, a European Union country, the Isle of Man, Japan, Hong Kong, 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 hand or foot - permanent physical severance
• Loss of independent existence (including muscular dystrophy) - permanent and irreversible
• Loss of speech - permanent and irreversible
• Paralysis of limb - total and irreversible
• Primary pulmonary arterial hypertension - of specified severity
• 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 surface area of the body or 20% of the face or head
• Total and permanent disability - before state pension age and of specified severity
• Traumatic head injury - resulting in permanent symptoms

With 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
• cover Total and Permanent Disability on a 'suited occupation basis'; or
• exclude cover for Total and Permanent Disability and Terminal Illness.

The quote will confirm the choice made by your client.

Children

Our policy automatically includes the insured employee’s children, from birth to 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 as well as for the following 6 child-only conditions:

• Cerebral palsy
• Child Loss of Independent Existence
• Cystic fibrosis
• Hydrocephalus – treated with insertion of a shunt
• Muscular Dystrophy
• Spina bifida

The benefit payable for a child under the policy is 25% of the employee’s insured benefit up to a maximum of £20,000. Cover for a child is dependent on the employee being covered under the policy.