Group Critical Illness Insurance

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.

Cover depends on scheme level - terms and conditions apply.


About Group Critical Illness insurance

Group 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, classified as critical illnesses (e.g. cancer, heart attack, stroke), and survive for 14 days.

The lump sum can be used however a member 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.

Our Critical Illness products

Our Group Critical Illness product 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.

Benefits include:

Cancer Pathway

Critical lllness 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.

Employee support is provided through our partnership with Reframe, a UK provider of personalised cancer support. Helping them  navigate the confusing and difficult path of a cancer diagnosis by:

  • Helping them better understand their cancer and the options available
  • Providing access to a second opinion and pathology review
  • Providing fast-tracked access to cancer experts
  • Providing support throughout their cancer experience

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.

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

Cover for the family (including Children’s cover)

Unum’s enhanced Critical Illness product now 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 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.

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.

Cover options

There are two levels of cover available:

  • Base cover provides cover for 13 critical illnesses including heart attack, stroke, cancer and dementia including Alzheimer's disease.
  • Extra cover includes the conditions covered in Base, plus 26 additional conditions including brain tumour, rheumatoid arthritis, terminal illness and total permanent disability.

Funding options

There are three funding options available:

  • Standard Group Critical Illness is funded by the employer and needs a minimum of 3 employees.
  • Flexible Group Critical Illness is funded by the employer or jointly by the employer and employee. It's available for policies covering 150 or more employees.
  • Voluntary Group Critical Illness is funded by the employee with premiums collected by the employer. This is available for companies with 150 or more employees.

Simplicity Critical Illness

With 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. Features include:

  • Benefits up to £60,000 per member
  • Pre-existing conditions covered - members' medical histories will not prevent claims for events arising after they join

Additional support services

All our Group Critical Illness customers automatically have access to the following support service at no additional cost.

Unum LifeWorks™

Our Employee/ Employer Assistance Programme offers employees access to a 24/7 helpline for advice on everyday issues like debt and childcare. For employers, LifeWorks™ offers help on a wide range of HR issues as well as legal assistance, including the ability to create legally binding documents – great for smaller employers with no HR function.