Group critical illness cover

• All employees, or those that fit your predefined eligibility definitions, between the ages of 16 and 70 can be covered. Once covered, the employee’s children from birth to age 21 are also automatically included in the cover.
• You can choose different benefit levels for defined groups of employees.

• Up to £500,000, or five times earnings, whichever is lower for employees.
• Up to 25% of the insured employee’s cover or £20,000, whichever is lower for eligible children.
• Up to £250,000 for spouses and registered civil partners.

Choose from core cover or core with additional cover.

Core cover – 15 conditions including cancer, heart attack, stroke, Alzheimer’s disease, Parkinson’s and motor neurone disease.

Additional cover – an extra 27 conditions, covering 42 conditions in total including blindness, deafness, HIV, paralysis, respiratory failure and traumatic head injury.

Children are covered for the same conditions as the employee we’re covering. Plus, we also provide an additional 6 child-only core conditions.

A full list of all the conditions covered can be found in our cover guide (250kb pdf).

Our technical guide (1.3mb pdf) can help provide more details about the cover, the options, the exclusions and how claims are assessed.

We won’t pay benefit for any specified condition for an insured person that was diagnosed or before they were covered by the scheme:

• has received treatment for;
• suffered symptoms of;
• has sought advice on; or
• was aware of.

The related conditions exclusion means we won’t pay benefit for any insured condition occurring within two years of an insured person being covered by the scheme that resulted from any related condition. The exclusion will apply even if a diagnosis has not been made before the insured person was covered.