Provides employees, their spouse (if covered) or their child with a tax-free lump sum after they survive a covered critical illness for 14 days.
Cover depends on scheme level - terms and conditions apply.
Group Critical Illness cover pays a tax-free lump sum directly to an employee should they suffer any of a list of defined medical conditions or surgical procedures, classified as critical illnesses (e.g. cancer, heart attack, stroke), and survive for a named number of days (14 in the case of Unum's Critical Illness products).
The lump sum can be used however a member wants to. For example, they could fund private health treatment, make adaptations to their home, take time off to care for a loved one, or take a well-deserved holiday once their treatment is finished.
We offer two Group Critical Illness products:
Our Group Critical Illness product offers either a multiple of between 1 and 5 x each member's salary or a fixed amount of benefit for each member with a maximum benefit per claim of £500,000. Members' children are covered as standard for 25% of the member's benefit up to £25,000, at no additional cost and a member’s spouse can be covered for up to £150,000 at an additional cost.
Levels of cover available:
There are two levels of cover available:
Funding options available:
There are three funding options available:
With simplified options and administration, Simplicity Critical Illness is designed for employers with 50 or more employees who want to give a basic level of cover to their employees for the first time. Features include:
All our Group Critical Illness customers automatically have access to the following support services at no additional cost.
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