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 a range of support services whenever they’re needed.
Help@hand
Providing insured employees with fast, direct access to six high quality health and wellbeing support services through one easy-to-use app - including remote GPs, mental health support, physiotherapy and EAP access.Employee/Employer Assistance Programme (EAP)
Our comprehensive EAP provided by LifeWorks includes access for all insured employees to a confidential 24/7 helpline, financial and business legal support, wellbeing content and tailored health and fitness plans.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
As the number of people living with cancer increases, so does the need to support those impacted.
Cancer is incredibly difficult for the person going through it, and for family and friends. It can also be tough for employers to know how to deal with the situation.
Critical Illness policyholders and insured employees can access Unum’s Cancer Pathway – including access to Reframe – at no additional cost.
The Cancer Pathway provides quick and easy access for employers and employees to cancer support at diagnosis, through treatment, after treatment and end of life – whenever it is 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.
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
Wellbeing calendarUpcoming events and webinars
Any questions?
View FAQsWe will provide a 30-minute online welcome session where we’ll explain the benefits of all the wellbeing and support services that are included with your policy. The sessions include a Q&A and useful downloads to make sure you can register straight away for these services.
Yes. Help@hand is available at no cost for employees insured under a Group Income Protection, Group Life or Group Critical Illness policy. It can be extended to all other employees for an additional cost of £4 per employee per month.
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