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  Group Critical Illness

Group Critical Illness cover helps your clients give financial support to their employees who are diagnosed with a critical illness or undergo one of the specified operations (that meet our policy definition) and survive for at least 14 days. We only cover the critical illnesses we define in our policy and no others.

Our Group Critical Illness cover provides a lump sum when an employee suffers one of the critical illnesses or undergoes an operation covered by the plan. A Group Critical Illness payment is designed to cover expenditure for large costs, such as adapting facilities in the home or covering mortgage costs. Group Critical Illness benefits offer peace of mind to individuals, and help employers offer a rounded benefits package to their employees.

It’s important to fully understand the product’s details as this will help you conduct a compliant sale. Full details of cover, options and exclusions are listed in the Group Critical Illness Policy Wording. Non-standard terms may apply to your client's policy.

How to quote and apply?


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

Find out more

For all other applications or for more information phone: 0800 145 5684

Our Cover includes:


  • Up to five times the employee’s salary, to a maximum of £500,000, paid as a lump sum.
  • Cover for a second or subsequent cancer is included as standard. This provides some cover for your client's employees who have been previously diagnosed with cancer. A benefit would be payable on diagnosis of a new, unrelated cancer as defined by the policy terms. Please see our Policy Terms and Conditions or Technical Guide for full details..
  • Children’s cover is automatically included at 25% of the employee’s benefit (up to a maximum of £20,000).
  • Optional cover for employees to add their spouse or partner, up to a maximum of £250,000.
  • Standard or extended cover, which covers more illnesses and conditions.
  • Uninterrupted cover for spouse/partner/children where the employee is currently excluded from re-joining the scheme following a claim for particular conditions.
  • Option to include Cancer Drugs Fund benefit. If selected, we will pay for the cost of drugs recommended by the member's NHS specialist up to a maximum of £100,000 to treat their cancer if their NHS specialist’s submission for the provision of cancer  drugs is rejected by their local commissioning body on financial grounds. 
  • No medical underwriting – although the product is subject to a pre-existing conditions exclusion. For full details see our Group Critical Illness Policy Wording or Technical Guide.

Features of Group Critical Illness cover:

Group Critical Illness pays out a lump sum if a member is diagnosed with a critical illness, or undergoes an operation, that meets our policy definition and then survives for at least 14 days from diagnosis. We only cover the critical illnesses we define in our policy and no others.

We offer standard and extended covers:

These 'standard conditions' are covered by our Group Critical Illness product...

  • Alzheimer's disease – resulting in permanent symptoms
  • Cancer – excluding less advanced cases
  • Cardiac Arrest
  • Childcover benefit:
    - 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
  • 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
  • Total permanent disability – unable to do a suited occupation ever again or unable to do their own occupation ever again*
These conditions are also included if your clients choose extended cover...

  • Aorta graft surgery
  • 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 two 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
  • Total permanent disability – unable to do a suited occupation ever again or unable to do their own occupation ever again*
  • Traumatic head injury – resulting in permanent symptoms
*Aviva Group Protection reserves the right not to include Total Permanent Disability cover, or to offer the cover on a different basis for certain occupations. 
Some conditions are not covered by Critical Illness Cover

It's important to remember that Group Critical Illness will not pay a claim for any pre-existing conditions. It also excludes associated conditions, such as critical illnesses or operations that are related to pre-existing conditions. For example, if an employee has had a heart attack before joining the scheme, we wouldn’t pay a lump sum if they needed coronary artery by-pass surgery. However, multiple claims can be made on the policy. This means that any illness claimed upon then becomes a pre-existing condition for the claimant and is subject to the pre-existing condition terms.

Other exclusions include self-inflicted injury and unreasonable failure to follow medical advice. Our Group Critical Illness Technical Guide holds full details of all exclusions.

To find out more about the Group Critical Illness cover, please call us on 0800 145 5684.

Extra care at no extra cost

As a member of a Group Critical Illness scheme your client’s employees have access to a range of additional services from trained professionals at no extra cost.

  • Cancer Support Service
  • Best Doctors®
  • RedArc
  • Stress Helpline
  • plus exclusive discounts on other Aviva products such as home and travel insurance
  • as well as up to 25% discount on membership from a range of top UK health clubs.
All these services are non-contractual benefits that can be withdrawn at any time by Aviva without notice.
Best Doctors is a registered trademark of Best Doctors, Inc. Used with permission.


Underwriting Group Critical Illness

There is no need to medically underwrite each employee for a Group Critical Illness policy as all pre-existing conditions are automatically excluded (for full details see our Group Critical Illness Policy Wording or Technical Guide), this will save your clients time and effort when setting up their scheme. However please note, scheme level factors such as age, claims experience and scheme size may affect pricing.


For more information please contact us on 0800 145 5684.

Helping to support you


Group Critical Illness cover provides financial support to your clients' employees when they are diagnosed with a critical illness or serious condition, or undergo an operation covered by the policy.

Benefits of our Group Critical Illness cover

It may feel as though all Group Critical Illness providers offer similar benefits and features. We believe our service offers something that other providers don’t. Our offering demonstrates what additional value we can bring to your clients:

  • Our Group Critical Illness policy offers flexibility with two levels of cover – standard or extended.
  • Members can claim up to five times their salary, to a maximum of £500,000, paid as a lump sum for a valid claim.
  • Cover for secondary or subsequent cancer included, as standard, across both standard and extended covers. A benefit would be payable on diagnosis of a new, unrelated cancer as defined by the policy terms. Please see our Group Critical Illness Policy Terms and Conditions or Technical Guide for full details.
  • Uninterrupted cover for spouse/partner/children where the employee is currently excluded from re-joining the scheme following a claim for particular conditions
  • Children’s cover is included automatically at 25% of the member’s benefit (up to a maximum of £20,000).
  • There’s no medical underwriting necessary, as Aviva’s Group Critical Illness cover is subject to exclusions on pre-existing conditions. For full details see our Group Critical Illness Policy Wording or our Technical Guide.
  • The policy pays out a lump sum if a member is diagnosed with a critical illness, or undergoes an operation, that meets our policy definition and then survives for at least 14 days. We only cover the critical illnesses we define in our policy and no others.
  • Eligible payments are made as quickly as possible.
Added value services Best Doctors®, RedArc and Stress Helpline are available to all the members at no extra cost. All the additional services are non-contractual and can be withdrawn by us at any time without notice.

What’s needed to set up a Group Critical Illness policy?

Showing your clients that we’re trying to reduce the administration involved can help them find confidence in us as a provider.

Employee details required to set up Group Critical Illness cover are:

  • date of birth
  • gender
  • occupation
  • location
  • country of residence
  • salary, and
  • proposed level of cover.

Here to help you

We’re here to help you answer any questions you or your clients may have about the proposition we offer and how the products can work together.

Call the Group Critical Illness sales support team: 0800 145 5684 Monday to Friday 9.00am – 5.00pm For policy quotes, please email: groupprotectionsalessupport@aviva.com. Calls to and from Aviva may be monitored and/or recorded

If you’d like to find out more about adding Group Protection policies to your proposition as a whole, please look at our Growing Your Business section

What makes our policy different?


Our Group Critical Illness cover pays out a lump sum if a member is diagnosed with a critical illness, or undergoes an operation, that meets our policy definition and then survives for at least 14 days. We only cover the critical illnesses we define in our policy and no others.

Prioritising what’s important


Our Group Critical Illness policy helps members get access to valued support from the moment we are notified about a claim. We’ll make eligible payments as fast as possible.


Why choose Aviva’s Group Critical Illness policy?

  • Our aim is to make life easier for you and your clients. It’s very simple, our Group Critical Illness product can be organised quickly and efficiently – there’s no medical underwriting necessary, and all of our forms are designed to help you and your clients put this policy in place.
  • We offer what other providers don’t. Our policy includes cover for secondary or subsequent cancer as standard, providing some cover to your clients’ employees who have been previously diagnosed with cancer. Children's cover is also automatically included at 25% of the member's benefit (up to a maximum of £20,000).
  • We make eligible payments as quickly as possible. If an employee suffers from one of our pre-defined critical illnesses or undergoes an operation that meets our policy definition, their focus will be on recovery – not administration. We aim to make the claims process as smooth as possible, and pay eligible claims as quickly as we can.
  • We provide members with additional support. The added value services Best Doctors®, RedArc and Stress Helpline are available to all the members at no extra cost. For more information, please see the Added Services tab. All the additional services are non-contractual and can be withdrawn by us at any time without notice.
  • We offer flexibility. Your clients want to contain costs – and we know how important it is to have a relationship with a provider that can help meet those requirements. We make sure that your clients have a choice of two condition lists, when they set up their Group Critical Illness policy.
  • It’s a policy that’s supported by our clinical expertise. In addition to financial support, our Group Critical Illness cover also offers practical support – if your client has any queries about their cover, our friendly claims advisers are on hand to help.
  • We’re the provider that delivers the service your clients are expecting. We know how important it is to be sensitive when dealing with any aspect of these policies. We treat everyone involved with respect, and listen to their needs throughout the claims process.
  • We’re experts in Group Protection. We’ve made sure that our Group Critical Illness product integrates with other products that your clients may already have in place. This means employers can offer a comprehensive benefits package to their employees.
  • We stay abreast of industry issues and continually evolve our products. As members of the Group Risk Development (GRiD) steering and regulations groups, we are committed to staying abreast of any issues that could affect Group Protection products and members currently covered by these policies.
For more information on our Group Critical Illness cover, please call us on: 0800 145 5684.

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

Group Critical Illness claims – what happens next?


We support the policyholders and their employees from the moment they let us know there could be a Group Critical Illness claim. That’s why we invest in training our claims team.

We want to make the claims process as seamless and stress-free as possible for everyone involved. After all, if employees are suffering from a serious condition, the last thing they want to worry about is financial and practical implications. If we can, we’ll offer guidance and advice that could help employees get extra support.

Aviva’s Group Critical Illness claims process

To make an eligible claim under our Group Critical Illness cover, an employee – or their spouse, partner or child – must have been diagnosed with a critical illness, or undergone an operation, that meets our policy definition and then survive for at least 14 days. We only cover the critical illnesses we define in our policy and no others.

The employer must notify us within three months of any critical illness diagnosis or qualifying operation. We’ll then send out two claim forms:

  • a policyholder’s claim form, which will need to be signed by one of the policyholder’s officials, and
  • an employee’s claim form, which asks for more information about their illness and any treatment.
We know that very few people look forward to filling in paperwork. So we’ll do everything we can to make the claims process as seamless and stress-free as possible. If there’s a need for more information, such as birth certificates or medical reports, we’ll ask for these details. However, it’s important to understand that if we can’t get the information needed, we cannot pay a claim.
Wherever possible, we ask that it’s the policyholder who contacts us regarding the claim. Our team is trained to use their discretion in getting things started – and your clients can be reassured by the fact that our staff are trained and have the skills required to deliver a helpful, empathetic, first-class service.

Added value services


We believe we’re offering some of the best cover available in the market, but we know that your clients want that little bit extra. That’s why we provide added value services, which we offer as part of the package when your clients take out a Group Critical Illness policy with us. There are no extra costs, and we’ll make sure that the services are available whenever a member needs them.

Best Doctors®

We understand that if someone is diagnosed with a serious medical condition they are almost certainly in a difficult and worrying situation. That's why we make Best Doctors available to all Group Critical Illness scheme members at no extra cost. 

Best Doctors provides second medical opinions, connecting members and their dependants to global medical expertise to help them to make better informed decisions about their health.

The service is available to group critical illness scheme members and their dependants: the member's spouse/ partner and any children, including legally adopted children and stepchildren.

Best Doctors is a global organisation which brings the world's leading medical experts to scheme members and their families when they need it most. The service can provide:

  • an independent and comprehensive report, confirming diagnosis and giving treatment recommendations, from the world-leading experts chosen to review their condition.
  • a definitive medical opinion, delivered in a confidential and easy to understand report.
  • telephone support from a dedicated case coordinator.
Here are just some of the conditions for which members can rely on Best Doctors expertise: Musculoskeletal conditions, skin diseases, cancer, major trauma, burns, stroke, renal failure, organ transplants, heart, eye, hearing, speech, lung and bone disorders, diseases of the nervous system such as Alzheimer’s disease and Parkinson’s disease, multiple sclerosis, and other conditions causing major discomfort or interference with a healthy and productive life.

Scheme members are responsible for all costs associated with any medical treatment, travel and lodging.

Support for advisers

Understand more about the full benefits of Best Doctors. 

Support for employers

We want to help employers understand the full benefits of Best Doctors and enable employers to communicate this additional benefit to their employees who are members of the Group Critical Illness scheme. Aviva provides a microsite for employers to use for how to communicate Best Doctors to their scheme members.

For more information please contact 0800 145 5684.

BEST DOCTORS is a registered trademark of Best Doctors, Inc. Used with permission.

RedArc

RedArc offers a long term Personal Nurse Adviser service that provides practical advice and emotional support following a critical illness diagnosis. The service is provided by telephone and is available at claims stage to members and their families.

RedArc nurses take the time to understand each member’s specific diagnosis and talk to them about what they’re going through. This service provides one-on-one ongoing support with the same Personal Nurse Adviser for as long as required.

The service is available to group critical illness scheme members and their dependants: the member's spouse/ partner and any children, including legally adopted children and stepchildren.

We understand that it can be a difficult time for members to talk about their diagnosis, so they don’t have to talk to RedArc straight away. They don’t have to talk to them at all. It’s up to them.

Stress Helpline

The 24/7 Stress Helpline provided by Care first gives employees access to an ‘in the moment’ helpline handled by BACP accredited counsellors that assists callers with regaining some sense of control when overwhelmed. This is achieved by providing on the spot support, which allows callers space to 'off load' and gain new perspective.

This one-off counselling facility provides practical strategies and caller 'empowerment' not just to feel better but to do something about the situation they face.

Multiproduct discounts

Employees will have exclusive discounts available to them on other Aviva products such as home and travel insurance.

Get Active

Employees will have up to 25% off gym membership from a range of top UK health clubs.

Full details on these discounts can be found in our guide Healthy discounts for Group Protection Customers.
All of these services are confidential and the service providers will not share with us any personal information which is provided to them.

All these services are non-contractual benefits that can be withdrawn at any time by Aviva without notice.

Tools to help you and your business


We’ve created some tools and information designed to help you answer any questions from your clients and to help you grow your business.

Group Critical Illness literature provides information about the options and the cover for your clients in full. These documents are designed to help you introduce the benefit of this product to your clients.

In our Group Critical Illness literature, you’ll find descriptions of the cover, condition lists and general exclusions in full. It’s important that you get to know these documents well, as this will help you conduct a compliant sale. It can be useful to emphasise that we’ll keep the need for paperwork to a minimum, in an event of a claim on this policy.

These documents explain how the product works

These documents help with applications

Document Library
Visit our document library for our Group Protection documents.

Grow your business
Useful information on growing your business, such as how to use social media and marketing your company.
This information relates to policies bought before 28 September 2015.

Your clients’ Group Critical Illness policies pays a lump sum if an employee is diagnosed with a critical illness, or undergoes an operation, that meets our policy definition. We only cover the critical illnesses defined in our policy and no others.

If an eligible claim is made, then we'll pay a lump sum of up to 5 x the salary or £500,000 (whichever is lower). For total permanent disability, we will pay the lump sum after your client’s employee has been continuously and permanently disabled for six months.

How does the policy work?

Efficiency. To minimise disruption to your client’s business we aim to set up their Group Critical Illness policy as quickly as possible, subject to exclusions on pre-existing conditions. This means there will be no medical underwriting requirements for your clients’ employees.

Affordability. Keeping costs down is also a priority to any business, so your clients will have chosen whether to take out an extended policy which covers more conditions or opt for standard cover to help contain costs.

Flexibility. Not every business wants the same level of cover so we've designed it so your clients can increase or decrease their employees' cover to meet their needs. For example, they may have chosen whether or not they would like to include their employees' spouses, partners or civil partners under the policy. Children also receive cover for up to 25% of the employee's benefit (up to a maximum of £20,000 gross).

For more information or a copy of our technical guide please contact us on 0800 145 5684.

Making a claim

To make an eligible claim under our Group Critical Illness cover, an employee – or their husband, wife, civil partner or child – must have been diagnosed with a critical illness, or undergone an operation, that meets our policy definition and then survive for at least 14 days. We only cover the critical illnesses we define in our policy and no others.

We must be notified within three months of any critical illness diagnosis or qualifying operation. We’ll then send out two claim forms:

1. A policyholder's claim form, which will need to be signed by one of the policyholder's officials

2. A member's claim form, which asks for more information about their illness and any treatment.

We know that very few people look forward to filling in paperwork. So we do everything we can to make the claims process as stress-free as possible. If there’s a need for more information, such as birth certificates or medical reports, we’ll ask for these details. However, it’s important to understand that if we can’t get the information needed, we cannot pay a claim.

We're here to help


Our team is on hand to answer any of your questions. For help or queries, call us on:

 0800 145 5684

9.00am - 5.00pm, Monday - 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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