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.
Our Group Critical Illness customers automatically have access to a range of support services whenever they’re needed.
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.
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.
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 page
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.
New customers can sign up for one of our 30-minute online welcome sessions, known as Wellbeing Ready sessions. These provide onboarding support explaining all the wellbeing and support services you can access with your policy. The sessions include a Q&A and useful downloads to make sure you can register straight away for these services.Register for Wellbeing Ready
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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