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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 a range of support services whenever they’re needed.

  • 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)

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  • EAP_CI

    Employee/Employer Assistance Programme

    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.

    Learn more
  • Cancer Pathways icon

    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 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.

    *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.

  • 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.

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
  • What support can you provide to help me set up my Unum policy?

    We 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.