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  Group Critical Illness

Group critical illness_page header

With a Group Critical Illness scheme, employers can add real value to their employee benefits package. The cover provides financial and emotional support if someone is diagnosed with a critical illness, or needs a serious operation covered by the policy.

Quote and apply

For applications or help call us on 0800 145 5684
Lines are open Monday to Friday, 9am to 5pm. Calls to and from Aviva may be recorded.

If you are applying for a business with under 100 lives you can use our online system, Aviva Group Protection Online.

Why Aviva Group Critical Illness?


In addition to financial support, our Group Critical Illness cover gives access to specialist advice when it’s needed, providing practical and emotional support following a diagnosis or serious operation.

What your clients can expect from Aviva Group Critical Illness:

  • Simplicity - no medical underwriting
  • Cancer cover - we cover second and subsequent cancer diagnoses as standard
  • Children's cover - automatically included at 25% of the member's benefit (up to £20,000)
  • Quick payment – we aim to pay claims quickly, so the employee can focus on recovery
  • Support - Best Doctors® second medical opinion, RedArc Nurse Advisory Service and Stress Helpline, all at no extra cost. These services are non-contractual and can be withdrawn by Aviva at any time, without notice
  • Choice - two levels of cover so your clients can balance cost and requirements

Full details of features and benefits are listed in our Group Critical Illness brochure.

Group critical illness employer guide

Non-standard terms may apply to your client’s policy.

Features of Group Critical Illness cover


  • Children’s cover – we automatically cover children for 7 child specific conditions, as well as the adult conditions included in this cover, at 25% of the employee’s benefit (to a maximum of £20,000)
  • Up to 5 x salary cover - paid as a lump sum, up to a maximum of £500,000
  • Cancer cover – included as standard for a second or subsequent cancer
  • Cancer drugs fund option - pays the cost of drugs recommended by an NHS specialist up to £100,000, if their recommendation is rejected by the local commissioning body on financial grounds
  • Spouse and partner cover – your clients can choose to extend cover to protect their employees’ spouses and partners, up to £250,000
  • Choice - choose either standard cover or extended cover, which includes cover for more conditions
  • No additional tax – under current UK tax laws, your client’s premiums normally qualify as an allowable business expense. Please remember that tax benefits are subject to change, interpretation and individual circumstances.

Added value services

Our cover comes with access to services designed to give employees crucial support in their time of need.

 

Best Doctors® second medical opinion

Best Doctors second medical opinion gives your client’s employees, and their immediate families, an expert medical opinion offering an independent, comprehensive assessment of their condition from a leading consultant. It can help employees get on the most appropriate clinical path for their condition.

The service provides:

  • an independent medical analysis from an expert specialising in the specific condition, who is chosen from a database of more that 50,000 peer-reviewed specialists
  • a second medical opinion, confirming diagnosis and treatment recommendations, delivered in a confidential and easy to understand report which can be shared with the employee’s treating doctor
  • ongoing support throughout the process from a dedicated case coordinator.

A second medical opinion from a medical expert could result in a change of diagnosis, an alternative recommended treatment plan, or both.

 

RedArc Personal Nurse Service

The RedArc service provides confidential telephone-based practical advice and emotional support for employees diagnosed with a critical illness. RedArc nurses are selected for their experience.

The nurse has time to listen to your employee and help them to understand their diagnosis and its consequences, discuss treatment options, navigate the UK health system and provide information and guidance. They can offer much needed emotional support to your employee and their family, to help them cope through their treatment and recovery.

RedArc can also provide a wide range of therapies, counselling, medical equipment and practical help in the home.

The service is also available to members’ immediate families.

 

Stress Helpline provided by Care first

Care first gives your employees access to a 24/7 stress helpline, handled by accredited counsellors to help employees regain some sense of control when feeling overwhelmed. It can provide practical strategies to help employees not just feel better, but to do something about the situation they face.

Calls are completely confidential with no limit to the number of times an employee can call.

All of the above services are non-contractual and can be withdrawn by Aviva at any time, without notice.

Full details of the services available can be found in our Group Critical Illness: Added value services brochure

Group Critical Illness Added Value Services

Renewing cover

In most cases, we will review the rate and terms of policies every two years. We’ll notify you six weeks before the anniversary date, at which point it’s good to re-engage with your clients to ensure they have the right levels of cover and whether their business has changed.

Take a look at the full lists of conditions we cover:


Standard conditions:

  • Alzheimer's disease - resulting in permanent symptoms
  • Cancer - excluding less advanced cases
  • Cancer - second and subsequent
  • Cardiac arrest
  • Coronary artery by-pass grafts
  • Creutzfeldt-Jakob disease - resulting in permanent symptoms
  • Dementia - resulting in permanent symptoms
  • Heart attack - of specified severity
  • Kidney failure - requiring dialysis
  • Major organ transplant
  • Motor neurone disease - resulting in permanent symptoms
  • Multiple sclerosis - with persisting symptoms
  • Parkinson's disease - resulting in permanent symptoms
  • Progressive supranuclear palsy - resulting in permanent symptoms
  • Stroke - resulting in permanent symptoms

Extended conditions:

Extended cover also includes the following conditions:

  • Aorta graft surgery - for disease
  • Aplastic anaemia - with permanent bone marrow failure
  • Bacterial meningitis - resulting in permanent symptoms
  • Benign brain tumour - resulting in permanent symptoms or removed via craniotomy
  • Benign spinal cord tumour
  • Blindness - permanent and irreversible
  • Cardiomyopathy - of specified severity
  • Coma - resulting in permanent symptoms
  • Coronary angioplasty - to 2 or more coronary arteries
  • Deafness - permanent and irreversible
  • Encephalitis - resulting in permanent symptoms
  • Heart valve replacement or repair
  • HIV infection - caught in the UK from a blood transfusion, a physical assault or at work in an eligible occupation
  • Liver failure - of advanced stage
  • Loss of hand or foot - permanent physical severance
  • Loss of independent existence - permanent and irreversible
  • Loss of speech - permanent and irreversible
  • Open heart surgery - with surgery to divide the breastbone
  • Paralysis of limbs - total and irreversible
  • Primary pulmonary arterial hypertension
  • Pulmonary artery graft surgery
  • Respiratory failure - of advanced stage
  • Rheumatoid arthritis - chronic and severe
  • Systemic lupus erythematosus - with severe complications
  • Terminal illness
  • Third degree burns - covering 20% of the body's surface area or 30% loss of surface area to the face
  • Traumatic head injury - resulting in permanent symptoms

Children's cover:

  • Children's intensive care benefit requiring mechanical ventilation for 7 days
  • Cerebral palsy
  • Cystic fibrosis
  • Hydrocephalus treated with the insertion of a shunt
  • Loss of independent existence
  • Muscular dystrophy
  • Spina bifida

Additional options:

  • Total permanent disability – the inability to do their occupation or a suited occupation ever again*
  • Cancer drugs fund

*We reserve the right not to include Total Permanent Disability cover, or to offer the cover on a different basis for certain occupations.

Setting up a policy


We’re here to help you explain the practical benefits of our Group Critical Illness policy to your clients. Our tools and sales aids are all designed to engage your clients or their employees.

The policy will pay a tax-free lump sum of up to five times an employee’s salary (up to a maximum of £500,000, whichever is lower) if they are diagnosed with a critical illness or undergo an operation covered by the policy. They must survive for at least 14 days.

We don’t cover pre-existing conditions, related pre-existing conditions, associated conditions, or self-inflicted injury.

There’s no need to medically underwrite each employee – saving your clients time and effort in setting up their scheme. But scheme-level factors such as age, claims experience and scheme size may affect pricing.

Quote and apply

We can help you apply, deal with any queries, and give you information that will help your clients proceed with confidence as they buy a Group Critical Illness policy.

A dedicated SME team here to support you

For your smaller clients, our dedicated SME team are here to help you grow and support your portfolio. They’ll give you as much or as little support as you need.

Contact the team today: 0800 404 5035 or speak to your Aviva Account Manager.
If you are applying for a business with under 100 lives, you can use our online quote system Aviva Group Protection Online

More information

For all other applications, or for more information, call us on 0800 145 5684, speak to your Account Manager, or email us on

Lines are open Monday to Friday 9.00am – 5.00pm
Calls to and from Aviva may be monitored and/or recorded

This document will help you apply

Group Critical Illness - Application form and Direct Debit Mandate

Claims


Our Group Critical Illness claims process

We aim to make the claims process as stress-free as possible for everyone involved. Our team is trained to use their discretion and deliver an empathetic, first-class service.

Here is a summary of the process:

  1. Let us know
    The employer should tell us about the illness or operation within three months of diagnosis.

  2. Provide some information
    We’ll ask your client about their employee and we will then contact the employee directly to obtain further information about their condition and to request consent to contact the doctor(s) involved in the diagnosis and treatment. Once we’ve received the consent, we’ll then get in touch with the doctor or specialist treating the employee for medical information.

  3. We’ll pay the lump sum
    If we’re happy with the details, we’ll arrange to pay the lump sum as quickly as possible.

For claims help or queries, call 0800 015 7523
Lines are open Monday to Friday 9.00am to 5.00pm
Calls to and from this number may be recorded and/or monitored.

Or email for further information

Key documents


Which documents should you use?

Our documents help you introduce the benefits of this product to your client.

Group Critical Illness literature describes the cover and the options in full. It’s important that you get to know these documents well, as this will help you conduct a compliant sale.

These documents explain how the product works

This document will help you apply:

You’ll find a full range of Group Critical Illness literature in our searchable document library.

We're here to help


For help or queries, call us on 0800 145 5684 or speak to your Aviva Account Manager.

If your query relates to an existing policy, please call 0800 051 3472.

Lines are open 9.00 am-5.00pm, Monday to Friday. Calls to and from Aviva may be recorded and/or monitored.

Contact us

You can find contact details for each product area in the drop-down list:

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