Group Critical Illness

If an employee is diagnosed with a specified critical illness, or they have an operation that we cover, we'll pay them a tax-free lump sum. That way, they don't have to worry about their finances on top of their health, and can use the money as they wish.

We automatically cover your employees' children and help if they're diagnosed with a specified critical illness or one of the child-specific conditions covered in our policy.

Child cover included

We automatically cover your employee's children, providing help if they're diagnosed with a specified critical illness, including child-specific conditions.

Focus on wellbeing

Our wide range of wellbeing services and Wellbeing Training can help you create a healthier, happier workforce.

Spouse / Partner cover available

If you choose to offer Aviva Flex-pertise™ your employees can add critical illness cover for their spouse or partner.

Why choose us?

Our Group Critical Illness cover can help your employees during difficult times.

Wide range of conditions covered

You decide what type of cover and the level of benefit you want to provide your employees. With standard and extended options, we offer cover for a wide range of serious conditions.

We also offer ongoing cancer cover as standard, meaning we'll support your employees if it's their second or subsequent diagnosis of cancer as defined under the policy.

Child cover comes as standard

As well as covering children for the conditions which cover the employee, we also cover children for:

• Cerebral palsy
• Cystic fibrosis
  
• Down’s syndrome
• Edwards’ syndrome
• Hydrocephalus – treated by surgery
• Muscular dystrophy
• Osteogenesis Imperfecta
• Patau syndrome
• Spina bifida

Intensive care benefit and cover for a loss of independent existence are also included.

More about the cover and your options

There are plenty of ways we can help you and your employees in the event of an illness.

What's included

• Choose between two types of cover:
  • Standard cover
    Covers 16 critical illnesses and operations, including cancer (excluding less advanced cases), cancer (second and subsequent), heart attack, stroke or spinal cord stroke and major organ transplant.
  • Extended cover
    Covers everything in Standard, as well as 27 other critical illnesses and operations, including aorta graft surgery, blindness, heart valve replacement or repair, liver failure and terminal illness.
    For a full list of what's covered, please read our Group Critical Illness Technical Guide (PDF 480KB).

  This benefit also provides cover for 9 child specific conditions, children's intensive care benefit requiring mechanical ventilation for 7 days and loss of independent existence.

  The adult conditions that the child is covered for are determined by the type of cover held by the employee (either standard or extended cover).

  For full details of what's covered, please read our Child cover brochure (PDF 2.95MB).

  • Tailor your cover
    You can boost your cover with these optional extras:
  • Cancer drugs fund
    This gives your employees access to a fund of up to £100,000 to pay for cancer drugs and follow-up expenses where the NHS won't pay for treatment.
  • Partner cover
    You can choose to extend cover to protect your employees' partners, up to £250,000.
  • Total Permanent Disability
    You can protect your employees if they're diagnosed as totally and permanently disabled.

  What's not included

  What's not included?

  • Pre-existing conditions
    We do not provide cover for pre-existing conditions or conditions related to pre-exisiting conditions. We also limit the circumstances where benefit can be claimed if there has been an associated condition. For Cancer – second and subsequent there are different terms.
    See our Group Critical Illness Technical Guide (PDF 480 KB) for further information.
  • Terminal illness
    We will not be able to pay a claim for terminal illness if the employee or child died before you notified us of the claim.
    
  • Options which do not cover children
    Children are not covered by the cancer drugs fund or the total permanent disability optional policy benefits.
    
  • Self-inflicted injury
    We don't cover any critical illness or operation that is a direct or indirect result of an intentionally self-inflicted injury.
  • Alcohol or drug abuse
    We will not pay a lump sum benefit if the critical illness or operation is a direct or indirect result of drug or alcohol abuse.

  You can find more details on the cover included in our technical guide (PDF 480KB).

  Wellbeing services

  Aviva DigiCare+ Workplace

  We can help your insured employees stay healthy with the Aviva DigiCare+ Workplace app provided by Square Health. It gives them the guidance they need to help detect, manage and prevent physical and mental health problems.

  Expert legal services

  Free and discounted legal services provided by Red Apple Law, to give employees some peace of mind, knowing they've got life's essentials in order and to help them plan ahead.

  Aviva Line Manager Toolkit: Mental Health
  

  Video modules and materials to help line managers spot the warning signs of poor mental health, identify reasonable adjustments and manage professional boundaries.

  Mental health guidance for employees

  A suite of bite-sized videos, articles and advice to help employees manage mental ill health, stress and anxiety.

  Helps insured employees stay fit and healthy with discounts for online workouts and more than 3,000 health and fitness clubs nationwide. It also offers a variety of discounted products and services, including those which can help with the daily living adjustments a cancer diagnosis can bring.

  RedArc

  RedArc is a nurse advice and support service available to insured employees who make a claim through Group Critical Illness cover. The service offers employees and their families long-term practical and emotional support over the telephone from a dedicated Personal Nurse. It's completely confidential.

  Provided by Care first, the Stress Helpline offers insured employees over the age of 16 the chance to talk in confidence to trained counsellors about issues they feel are causing them stress.

  The helpline can be a good place for employees who need help with personal or work-related stress issues. Talking and sharing can be the first step in helping to work through problems and resolve them, aiming to achieve the best outcome for employees and employers.

  An online library of useful content, hints and tips. Includes guides and tools to help with all kinds of situations from family and relationships, money or work, to mental or physical health conditions.

  Cancer Care Support

  Everyone's cancer journey is unique, which can be challenging for an employer when it comes to supporting employees who are living with cancer.

  To help you understand more about managing cancer in the workplace, we've worked with Macmillan Cancer Support to put together a guide that highlights different areas you need to think about. It covers topics from understanding cancer to how it may affect someone at work, from talking about cancer in the workplace to supporting employees caring for others with cancer, and much more.

  Wellbeing services are non-contractual benefits which Aviva can change or withdraw at any time.

  Terms apply to some wellbeing services. To be eligible for wellbeing services employees must be permanent residents of Great Britain, Northern Ireland, the Channel Islands or the Isle of Man. Red Apple Law legal services are available to use in England, Scotland, and Wales. There is varied or limited service availability in Northern Ireland, the Channel Islands, and the Isle of Man. For full details please visit our dedicated Wellbeing services page.