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.
Group Critical Illness cover pays a tax-free lump sum directly to an employee should they 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 a named number of days (14 in the case of Unum's Critical Illness products).
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 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.
The policy pays out if the member is placed on a UK waiting list for one of the included surgical procedure such as heart surgery, bypass grafts, or an organ transplant that meets the insured definition.
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
Members' children are covered from birth for 25% of the member's benefit up to £25,000, at no additional cost and a member’s spouse or partner can be covered for up to £250,000 at an additional cost.
Levels of cover available:
There are two levels of cover available:
Funding options available:
There are three funding options available:
With simplified options and administration, Simplicity Critical Illness is designed for employers with 50 or more employees who want to give a basic level of cover to their employees for the first time. Features include:
All our Group Critical Illness customers automatically have access to the following support services at no additional cost.
Unum cancer support service
Our partnership with Harley Street Concierge Limited, one of the UK's leading providers of personalised cancer support, provides this service to help people navigate the confusing and difficult path of a cancer diagnosis by:
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.
Mental Health Pathway
Unum’s Mental Health Pathway is an early intervention service that enables both employers and employees to access specialist support, quickly, when mental health concerns are first raised.