Group Critical Illness cover
Group Critical Illness cover can provide employees with a tax-free lump sum after they, their spouse or partner (if covered), or their child survive a covered critical illness for 14 days.
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Support servicesGiving complete peace of mind
Our Group Critical Illness customers automatically have access to the following support services whenever they’re needed.
Help@hand
Total health and wellbeing support for employees, including remote GPs, mental health support and full integrated Employee Assistance Programme – with a comprehensive employee communications toolkit.Employee/Employer Assistance Programme (EAP)
EAP services are fully integrated into Help@hand from April 3rd. Find out more about what this means your clients and their employees.Unum Cancer Pathway
Quick and easy access to personalised cancer support upon diagnosis, through treatment and after treatment - whenever it's needed.
OverviewGroup Critical Illness from Unum
Group Critical Illness cover can pay a tax-free lump sum directly to an employee should they, their spouse or partner (if covered) or child, suffer any of a list of defined medical conditions or surgical procedures and survive for 14 days.
The lump sum can be used however an employee 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.
Cover options:
Base cover: 13 critical illnesses including heart attack, stroke, cancer and dementia including Alzheimer's disease.
Extra cover: Base conditions plus an additional 26 others including brain tumour, rheumatoid arthritis, terminal illness and total permanent disability.
Funding options:
Standard: Employer-funded and needs a minimum of 3 employees.
Flexible: Funded either by the employer or jointly with employees. Available for policies covering 150 or more employees.
Voluntary: Employee-funded with premiums collected by the employer. Available for companies with 150 or more employees.
Why choose usThe benefits with Unum
Our Group Critical Illness offers either a multiple of between 1 and 5x each member’s salary or a fixed amount of benefit for each member with a maximum benefit per claim of £500,000.
Cancer Pathway for individual specialist support
Critical Illness policyholders can access Unum’s Cancer Pathway at no additional cost. The Cancer Pathway provides quick and easy access for employers and employees to cancer support upon diagnosis, through treatment and after treatment – whenever needed.
Employers can benefit from Unum’s trained professionals who will aim to contact them within 48 hours of making contact to assess individual needs and create a tailored pathway to support the employee and employer through the cancer journey.
Cover for the family (including children’s cover)
Unum’s enhanced Critical Illness product provides cover for 7 child-specific illnesses as standard, including cerebral palsy and spina bifida.
Children are automatically covered for 25% of a member’s cover (up to £25,000) from birth until their 18th birthday (or 21 if in full time education) for all covered conditions.
A member’s spouse or partner can also be covered for up to £250,000 at an additional cost for complete family cover.
Second and subsequent cancer cover
In most cases, if an employee has previously suffered a critical illness, they won’t be able to claim for a recurrence. But our second and subsequent cancer cover means, that once they have recovered, if they are diagnosed with a new and unrelated cancer in the future that meets the insured definition, they may be able to claim.
Advance payment
The policy pays out if the member is placed on a UK waiting list for one of the included surgical procedures, such as heart surgery, bypass grafts, or an organ transplant that meets the insured definition.
Top tools for communicating your Critical Illness policy
Our employer toolkit contains everything you need to tell your employees about the benefits of a Critical Illness policy.
You can use any or all of these resources to help increase employee engagement.
Go to pageOur Simplicity Critical Illness product offers simplified options and administration.
Simplicity Critical Illness is designed for employers with 50 or more employees who want to give a more basic level of critical illness cover to their employees for the first time.
- Benefits up to £60,000 per member
- Pre existing conditions covered members’ medical histories will not prevent claims for events arising after they join
Wellbeing calendarUpcoming events and webinars
Any questions?
View FAQsYes. Advisers/brokers can use UnumOnline, our intuitive, easy-to-use portal, to get quotes for Group Income Protection, Group Life and Group Critical Illness policies covering between 3 and 100 employees.
More about UnumOnlineWe provide onboarding support to your clients via our monthly 30-minute online Wellbeing Ready sessions. Brokers are also welcome to attend. During the session, we’ll explain the benefits of all the support services available to policyholders and their employees. The sessions include a Q&A and useful downloads to ensure your clients can register straight away for these services.
We are normally able to provide cover for all members without medical underwriting and subject to the pre-existing conditions exclusion. You can find out more about our pre-existing and related conditions terms on page 21 of our Group Critical Illness user guide
Yes. Help@hand is available at no cost for employees insured under a Group Income Protection, Group Life or Group Critical Illness policy. Selected Help@hand services are also available to uninsured employees at no additional cost. Employers can extend the full suite of services to employees not covered by the Group Risk policy for a cost of £4.50 per employee per month.
* Help@hand is provided to Unum Group customers by Square Health. It offers access to services designed to manage the health and wellbeing of employees and their families. Help@hand is entirely separate from any Unum insurance policy. Help@hand is not part of the insurance contract, is provided by Unum for no additional cost to its customers, and Unum can withdraw or change the service in the future. Help@hand is available to UK residents only. Unum offers access to the Help@hand services provided by third parties. Square Health Limited, registered in England and Wales Number 07054181. Crown House, William Street, Windsor SL4 1AT.
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