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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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.
Request a call Our Group Critical Illness customers automatically have access to a range of support services whenever they’re needed.
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)
Our comprehensive EAP provided by LifeWorks includes access for all insured employees to a 24/7 helpline, financial and business legal support, wellbeing content and tailored health and fitness plans.
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Quick and easy access to personalised cancer support upon diagnosis, through treatment and after treatment - whenever it's needed.
Access the PathwayGroup Critical Illness cover pays 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.
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.
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.
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.
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.
*Access to the service is facilitated by Unum at no cost to the Unum customer. Unum is not the provider of the service, but can withdraw or change the service at any time. The service is entirely separate from any insurance policy provided by Unum and is subject to the terms and conditions of the relevant third party specialist. There is no additional cost or increase in premium as a result of Unum making this benefit available.
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.
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.
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.