Critical Illness Insurance

When your health and family are your biggest concern, a tax-free lump sum can ease financial worries. Receive a cash payment if you’re diagnosed with a covered illness – including cancer, heart attack and stroke - and survive for 14 days after the date of diagnosis. Use it to fund private treatment, make adaptations to your home, or take a break to recover.

Peace of mind when it’s needed most

  • Endorsed by your employer
  • Tax-free lump sum
  • Easy to apply – no medical questions asked*
  • Non-smoker discount**
  • Flexibility to update your level of cover after certain life events like having a baby or getting married
  • Your children are automatically protected for 25% of your benefit - at no additional cost***

Choose from five levels of cover

  • From £10,000 to £50,000

*Pre-existing and related conditions exclusions apply
**A non-smoker is someone who has not used cigarettes or any tobacco or nicotine products including nicotine gum, nasal spray, and e-cigarettes in the previous 12 months
***Up to 18th birthday (or 21st birthday if they are in full time education) 

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Product features

Provider
  • Unum Limited
Benefits
  • Choice of five benefit amounts - £10k, £20k, £30k, £40k, £50k
  • Lump sum benefit if diagnosed with one of the following conditions and the employee survives for 14 days after the date of diagnosis:
    • Cancer
    • Coronary artery bypass grafts
    • Creutzfeldt-Jacob disease
    • Dementia including Alzheimer’s disease
    • Heart attack
    • Kidney failure
    • Major organ transplant
    • Motor neurone disease
    • Multiple sclerosis
    • Parkinson’s disease and Parkinson plus syndromes
    • Stroke
Additional support
  • Employee Assistance Programme (EAP) helpline and online resource
Type of coverage
  • Two year contract with the employer
  • Voluntary cover is funded by the employee
  • Flexible cover is funded by the employer, offered through a ‘flex pot’ or jointly funded by the employer and employee
Who can be covered?
  • The employee, who must be actively at work and between ages 16 and 69 inclusive when selecting cover
  • Cover ceases at the end of the policy year following the employee’s 70th birthday
  • Children automatically covered for 25% of the benefit amount at no additional cost
  • Unlimited number of children covered to 18th birthday (or 21st birthday if they are in full time education)
Cost of cover
  • Monthly premiums (rates available on request)
  • Premiums are based on the employee’s age when selecting cover
  • Premiums may increase as the employee gets older
  • Non-smoker discount
  • Employee premiums are collected by the employer, deducted from the employee’s monthly pay
What is not covered?
  • If, before the cover starts the employee or their children have previously suffered from one of the critical illnesses covered by the policy they will not be able to claim for a recurrence of that critical illness, other than for cancer – second and subsequent
  • Benefit will not be paid during the first two years of cover or following an increase for a critical illness which was linked to a related condition which the employee or their child received treatment or advice for, or were aware of before the start of cover
Changing cover
  • Cover level can be either increased or decreased following a specified lifestyle event (e.g. marriage or birth of a child) or during annual enrolment
Rate guarantee
  • Rates are guaranteed for two years
  • Terms can be reviewed and amended if there is a significant change to the employer’s business
  • Unum Limited
  • Choice of five benefit amounts - £10k, £20k, £30k, £40k, £50k
  • Lump sum benefit if diagnosed with one of the following conditions and the employee survives for 14 days after the date of diagnosis:
    • Cancer
    • Coronary artery bypass grafts
    • Creutzfeldt-Jacob disease
    • Dementia including Alzheimer’s disease
    • Heart attack
    • Kidney failure
    • Major organ transplant
    • Motor neurone disease
    • Multiple sclerosis
    • Parkinson’s disease and Parkinson plus syndromes
    • Stroke
  • Employee Assistance Programme (EAP) helpline and online resource
  • Two year contract with the employer
  • Voluntary cover is funded by the employee
  • Flexible cover is funded by the employer, offered through a ‘flex pot’ or jointly funded by the employer and employee
  • The employee, who must be actively at work and between ages 16 and 69 inclusive when selecting cover
  • Cover ceases at the end of the policy year following the employee’s 70th birthday
  • Children automatically covered for 25% of the benefit amount at no additional cost
  • Unlimited number of children covered to 18th birthday (or 21st birthday if they are in full time education)
  • Monthly premiums (rates available on request)
  • Premiums are based on the employee’s age when selecting cover
  • Premiums may increase as the employee gets older
  • Non-smoker discount
  • Employee premiums are collected by the employer, deducted from the employee’s monthly pay
  • If, before the cover starts the employee or their children have previously suffered from one of the critical illnesses covered by the policy they will not be able to claim for a recurrence of that critical illness, other than for cancer – second and subsequent
  • Benefit will not be paid during the first two years of cover or following an increase for a critical illness which was linked to a related condition which the employee or their child received treatment or advice for, or were aware of before the start of cover
  • Cover level can be either increased or decreased following a specified lifestyle event (e.g. marriage or birth of a child) or during annual enrolment
  • Rates are guaranteed for two years
  • Terms can be reviewed and amended if there is a significant change to the employer’s business

Unum Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered and Head Office: Milton Court, Dorking, Surrey, RH4 3LZ. Registered in England company number 983768.