FOR ADVISERS ONLY
Critical Illness Cover
We offer 67 definitions. 47 pay the full amount of cover and 20 additional conditions (including 13 additional conditions for early forms of cancer) pay 25% of the amount of cover, up to a maximum of £25,000, over and above the amount covered.14 definitions exceed the Association of British Insurers’ standard definitions.
When clients choose Enhanced Children's Critical Illness cover, they'll be covered for 13 child-specific conditions. These pay out 50% of the amount of cover, up to a maximum of £50,000. We also offer an extra additional condition covering nine pregnancy complications, which pays out £5,000 for affected pregnancies.
We’ll pay a claim if your client meets one of the critical illness or additional conditions definitions listed in the plan details booklet. If we pay a claim for an additional condition then your client later meets one of our critical illness definitions, we’d also pay the full amount they’re covered for.
Visit our interactive definitions search tool for our full list of critical illness definitions. You can view both our current definitions and past definitions wording to see how they've changed over time.
For more information about each definition and our additional conditions see our plan details.
Our Critical Illness Cover pays out when the first of the following happens, the person covered:
- Meets our definition of any of the critical illnesses on our list, or
- Meets our definition of total permanent disability.
Key benefits:
- 67 critical illness definitions covered
- 47 conditions pay the full amount of cover. For 20 additional conditions we'll pay 25% of the amount of cover, up to a maximum of £25,000. And we'll also pay out the full amount of cover if a client is later diagnosed with one of the 47 conditions.
- 14 definitions exceed ABI standard definitions
- The choice to add a level of Children's Critical Illness Cover that best meets a client's needs. Find out more
- Free Cover
- Total permanent disability cover
- Cover increase options.
| Term of cover |
5 - 50 years |
| Basis of cover |
Single life |
| Guaranteed or reviewable payments |
Guaranteed and reviewable |
| Maximum amount of cover |
£3,000,000 |
| Minimum age when cover starts | 18 attained |
| Maximum age when cover starts |
69 attained |
| Maximum age when cover ends | 84 attained |
| Payment of cover |
Lump sum |
Key:
~ not available on decreasing covers
We won't pay a claim if:
- The person covered dies within 10 days of meeting one of our critical illness or total permanent disability definitions.
- It’s the result of intentional self-inflicted injury defined in the plan details booklet.
- The person covered doesn’t meet one of the critical illness or total permanent disability definitions in the plan details, or
- It’s the result of an exclusion shown on the cover summary.
Decreasing cover can be:
- Decreasing monthly at a rate of interest chosen by your clients (between 0 and 15%); or
- Decreasing yearly at a rate of interest chosen by your clients (between 0 and 15%).
Increasing cover can be:
- A fixed rate between 2% and 5%; or
- A rate based on the change in retail price index (between 2% and 10%).