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Group Critical Illness cover

Group Critical Illness cover provides 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 services

Giving complete peace of mind

Our Group Critical Illness customers automatically have access to the following support services.

  • EAP_CI

    Help@hand

    Providing insured employees with five key health and wellbeing support services through one easy-to-use app - including remote GPs, mental health support and EAP access. 
    (for employers with 250 or fewer employees)

    Learn more
  • EAP_CI

    Employee/Employer Assistance Programme

    Our comprehensive EAP provided by LifeWorks includes access for all insured employees to a 24/7 helpline, legal support, wellbeing content and tailored fitness plans.

    Learn more
  • Cancer_PW_CI

    Unum Cancer Pathway

    Quick and easy access to personalised cancer support upon diagnosis, through treatment and after treatment - whenever it's needed.

    Access the Pathway

Why choose us

The benefits with Unum

Our Group Critical Illness 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.

  • Cancer Pathway

    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 children-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 21st birthday 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.

Simplicity Critical Illness

Our 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
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Any questions?

View more FAQs
  • Can I get a quote online?

    Yes, currently we can provide quotes for your customers looking to cover between 3 and 100 people, you can quote for Group Income Protection, Group Life and Group Critical Illness.

    Go to UnumOnline
  • What onboarding support can you provide for my client?

    We provide a 30-minute online onboarding session for your clients. You are also welcome to attend this session. During the session we’ll explain the benefits of all the wellbeing and support services that are included with your client’s policy. The sessions include a Q&A and useful downloads to make sure your clients can register straight away for these services.

    Starting your client's cover
  • Does this policy require medical underwriting?

    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 user guide.

    View the User Guide