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  Critical Illness+

Our new proposition

Cover that help meets your client's needs


Our Critical Illness+ policy provides stand alone critical illness cover which pays out if your client is diagnosed with, or undergoes surgery for, a range of serious critical illnesses, as well as a number of more common and sometimes less severe conditions. Critical Illness+ also includes valuable cover for your client's children as standard.

Quote and apply

Key information


You can call our protection sales and support team on:

 0800 056 2181

 
Open Monday - Friday, 9am-5pm


Why choose Critical Illness+ for your clients?


Critical Illness+ guide

Take a look at our guide for a customer overview.

Find out more

The real beauty of Critical Illness+ is that cover can be tailored according to your client's needs - and budget - by choosing from a range of options and benefits which have all been designed to deliver quality cover.

A range of additional benefits are included as standard, and the option to upgrade critical illness cover and optional extras such as Global Treatment and Fracture Cover mean Critical Illness+ can be tailored to a broad range of clients.

At an extra cost, cover can be upgraded to provide some financial protection against even more critical illnesses and conditions. By upgrading, extra options can be added to your client's cover, their children's cover, or both, for even more protection.

Cover that goes above and beyond


As well as the range of benefits covered as standard under our policy, Critical Illness+ also offers the option to add further cover at an additional cost should your client need it.

Global treatment


global treatment photo

Global treatment makes overseas treatment and access to expert medical opinion possible at a time when your client will want to explore all the options.

Find out more

 

Fracture cover


fracture cover photo

Fracture cover pays a one-off sum if your client suffers from a specified fracture, dislocation, tendon rupture or ligament tear during a 12 month period.

Find out more

 

Extra care cover


extra care cover photo

Extra care cover provides a payment of £50,000 to help provide financial support if a critical illness results in significant changes to your client's health and lifestyle.

Find out more

 

shieldMore choice


The ability to select the following allows you to tailor cover to your individual client's needs: 

  • The cover amount and the policy term
  • Level, decreasing or family income cover
  • Guaranteed or reviewable premiums
  • Waiver of premium and renewal options
  • Increasing cover - our answer to indexation
  • Total permanent disability

shieldBenefits included as standard


Critical Illness+ comes with a wide range of benefits available at no extra cost: 

  • Additional critical illness benefit
  • Accelerated surgery benefit
  • Children's critical illness
  • Children's death benefit
  • Hospital benefit
  • Life change benefit and separation benefit

shieldUpgrade for even more cover


At an additional cost customise cover with our upgrade options: 

  • Upgraded critical illness benefit covers a further 13 full payment conditions, 36 additional critical illness conditions and four accelerated surgeries.
  • Upgraded children's benefit covers an additional 8 children's critical illness conditions, up to £50,000 for 11 conditions under children's extra care cover and advanced illness.

shieldAdditional benefits


We offer a range of cover options at an additional cost: 

  • Global treatment - providing access to Best Doctors' network of top medical experts and covers the cost of overseas treatment for certain serious illnesses or medical procedures.
  • Extra care cover - provides an additional £50,000 of cover where a critical illness has a prolonged, life changing impact. 
  • Fracture cover - offers additional cover for a range of fractures, dislocations, tendon ruptures and ligament tears.

Here are some of the things you need to know about our Critical Illness+ policy:


Cover types

Cover type

Detail

Level cover

  • Pays the cover amount as a cash lump sum if your client makes a successful claim.
  • The cover amount stays the same throughout the policy term.

Decreasing cover

  • Pays the cover amount as a cash lump sum if your client makes a successful claim.
  • The cover amount decreases each month broadly in line with the amount outstanding on a repayment loan, such as a capital and interest mortgage, using a fixed interest rate selected at the start of the policy.
  • Rates are available from 4% to 15%.

Family income cover

  • Pays the cover amount as monthly instalments if your client makes a successful claim.
  • The monthly instalment amount stays the same throughout the policy term and is payable from the date we accept a claim until the policy end date.
  • Your client can choose to take the monthly payments as a reduced lump sum at any point following a claim.

Limits


Criteria

Min/max

Detail

Notes

Critical illness cover

Max age at entry

64, or 59 if renewal option or Fracture cover are chosen

  • Pays out on critical illness.
  • For guaranteed premiums, the policy must end before your client's 76th birthday.
  • For reviewable premiums, the policy must end before their 91st birthday.

Term

Min term

5 years

  • 6 years if reviewable premiums are selected.

Max term

50 years

  • Subject to the maximum ages which apply at the time.

Payment limits

Min premium

£5 a month/£50 a year

  • Monthly premiums are available.
  • Premiums must be paid by direct debit.

Cover limits

Max cover amount

 -
  • £3,000,000 for critical illness cover.
  • £2,000,000 for critical illness cover with total permanent disability.

Options

Option

Min/max  Detail

Notes

Extra care cover

Max age at entry 64
  • Extra care cover can provide £50,000 if your client is diagnosed with a condition that results in severe and permanent symptoms.
  • It's available at an extra cost.

Fracture cover

Max age at entry 59
  • Pays up to £6,000 if your client suffers from one of 28 specified injuries, which include fractures, dislocation, tendon ruptures and ligament tears.
  • Fracture cover is available for £3 per month.
  • The benefit will be removed from the policy when a life covered reaches age 70.

Global treatment

Max age at entry 64
  • Global treatment provides access to expert second medical opinion and leading overseas medical treatments for your client and their children.

  • Cover renews every 3 years and is available for £4 a month.

  • The benefit will be removed from the policy when a life covered reaches age 84.

Increasing cover Max age at entry 64
  •  The cover amount will increase each year in line with RPI (available with level cover) or by a fixed percentage of 3 or 5% (available with level cover and family income cover). If the cover increases so will the premium. The increase automatically happens on an annual basis. 
  • If the RPI does not increase, or your client chooses not to accept the increase then their cover amount and premium will remain the same. 
  • Please note that in the event of an increase the premium will increase at a higher percentage rate than the cover amount. The maximum the cover amount can increase by is 10% and the premium could increase by a maximum of 15%. 
  • Not available with decreasing cover.
Renewal option

Max age at entry

 

59

 

  •  Your client can take out a new policy without providing more health information when their original policy ends.
  • The new policy must end before their 71st birthday.
  • Not available if your client has reviewable premiums, or the increasing cover option.
  • Available at an extra cost.
Total permanent disability Max age at entry 64
  •  Pays the cover amount if the life covered suffers an illness or injury that means they meet either our own occupation or activities of daily work definition.
  • Available at an extra cost.
  • This benefit will cease when the eldest life reaches age 71, but the policy will continue.
Waiver of premium Max age at entry 64
  •  We will waive your client's premiums if they are unable to work due to accident or injury.
  • Your client can choose a deferred period of one, three or six months. This benefit is available at an extra cost.
  • This benefit will cease when the eldest life reaches age 71, but the policy will continue.
     

Critical illness cover

Features

Detail

Critical illness cover

Your clients will be covered for;

  • 37 full payment conditions (18 of which are ABI+).
  • 2 additional critical illness conditions payable at £25,000 or 25% of the cover amount.
  • Accelerated surgery benefit. This can pay the cover amount early if your client is placed on an NHS waiting list for one of six specified surgeries.
  • Children's benefit.

Upgraded critical illness benefit

Your client can choose to upgrade their critical illness at an extra cost

They will also be covered for;

  • A further 13 full payment conditions.
  • 36 extra additional critical illness conditions with an enhanced payout of £25,000.
  • upgraded accelerated surgery benefit covering a further 4 surgeries.

Children's benefit

Features

Detail

Children's benefit

  • Your client will also automatically receive our children's benefit at no extra cost.
  • Children's benefit covers children of the client from the age of 30 days, up until their 18th birthday, or 21st birthday if in full time education.
  • Each element of children's benefit is payable once for each child.
  • It's made up of;

    Children's critical illness
    We'll pay 50% of the cover amount up to a maximum of £25,000 if one of the client's children is diagnosed with a critical illness that we cover.

    Children are covered for the same conditions covered under critical illness cover (excluding terminal illness).

    Hospital benefit
    If one of your client's children need to spend more than seven days in hospital we will pay £100 a night from the eighth night onwards up to a maximum of £3,000 per child.

    Children's death benefit
    If a child dies, we will pay £5,000.

Upgraded children's benefit

  • Your clients can choose to upgrade their children's cover at an extra cost.
  • With upgraded children's benefit, children are covered from birth until their 18th birthday, or 21st birthday if in full time education.

It's made up of;

Upgraded children's critical illness
We'll pay an enhanced payment of £25,000 if one of the client's children is diagnosed with a critical illness that we cover.

Children are covered for the 39 conditions covered under critical illness cover (excluding terminal illness). They are also covered for an additional eight critical illnesses including cystic fibrosis and Down's syndrome.

Children's extra care cover
We'll pay up to £50,000 if a child is diagnosed with one of 11 children's extra care cover conditions.

Advanced illness
We'll pay £10,000 if a child is diagnosed with an advanced or rapidly progressing illness that meets our definition.

Hospital benefit
If one of your client's children need to spend more than seven days in hospital we will pay £100 a night from the eighth night onwards up to a maximum of £3,000 per child.

Children's death benefit
If a child dies, we will pay £5,000. For this benefit children are covered from 24 weeks of pregnancy until their 18th birthday, or 21st birthday if in full time education.


  • Your client can choose to take the monthly payments as a reduced lump sum at any point following a claim.
  • Your client can choose to take the monthly payments as a reduced lump sum at any point following a claim.

Doing protection business just got easier


We're committed to making it as easy as possible to do protection business with us, so we've produced a range of helpful support materials - all designed to save you time. 

Tracking guide

ALPS tracking guide


Knowing exactly what’s happening with your cases makes life so much easier. Take a look at our e-guide to learn how tracking can help your business.

Download the guide

ALPS system guide


The ALPS online platform helps you to manage your cases quickly and effectively. Our e-guide will help you get to grips with the system in no time. 

Download the guide

System guide image

Portals guide

Portals guide


Everything you need to know in order to access, quote and apply for our new products.

Find out more

Guide to online trusts

Guide to online trusts


With ALPS you can place a policy in trust entirely online - learn how using this guide.

Find out more

Reasons why

Reasons why


Use our handy reasons why paragraphs to craft your recommendation letter.

Find out more

 

Family together

Looking after your client and their family


When you recommend one of our protection policies to your client, you can relax, safe in the knowledge that we’ll be there for them and their families when it really matters. Of course this means we’ll be on hand with financial support if the worst should happen. But with our policies, you get so much more than that.

The following are non-contractual benefits which we could remove at any time.

For more information on any of the services listed below, please read our guide to Support Plus

Counselling and carer services

Life can be tough sometimes, so it helps to have someone you can turn to. That’s why each of our protection policies includes access to counselling and carer support services provided by Workplace Options.

Workplace options offers face to face or telephone based support for your client and their family, giving help with:

  • Mental wellness issues such as bereavement, work-related stress and relationship breakdown.
  • Facing the challenges that come with being a carer.

Bupa Anytime Healthline

Bupa Anytime Healthline is a telephone support service that gives your client access to a qualified nurse 24 hours a day, 7 days a week. Your client can use this service to get answers to any questions or concerns they may have about a specific medical condition or to get practical advice on their general health and well being. They can also use the service with regards to their loved ones - for example, if they are worried about their children's health.

Second Opinion by Best Doctors ®

Second opinion by Best Doctors ® gives your client access to their network of medical experts who can give them answers to any questions they may have. Once your client has contacted Best Doctors, they will collect their medical records and choose the best medical specialist for their condition. The doctor will then review your clients' case, providing their expert medical opinion in a report which includes:

  • Confirmation of your clients' diagnosis
  • Treatment recommendations

Being there when it matters most


Mother and child

If your clients need to claim, we’ll do all we can to reduce their stress and anxiety at what is an incredibly difficult time. From help with filling out paperwork to answering questions, we’ll be there for your clients, and their families, when they need us most.

To make a claim, they can call the team on:

 0800 015 1142

Or, if they can’t face talking about what’s happened, they can get the process started online instead. Our dedicated claims website includes a form your client can fill in to tell us they need to make a claim. There’s also a step-by-step guide to making a claim and the answers to some frequently asked questions.

Protection planning

Our protection articles can help support your financial planning process and offer the opportunity to earn CPD hours.

Claims information

If your client needs to make a claim, you can feel confident that we'll get things right for them at a difficult time.

Underwriting centre

Developed and tested with advisers, a one stop shop for everything you need to know about our underwriting.

Tools & calculators

Access a wide range of handy tools and calculators, designed to help both you and your clients.

Contact us

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

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WA02242 11/2016