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, 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 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.
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:
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.
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.
There are two levels of cover 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 more basic level of critical illness cover to their employees for the first time. Features include:
All our Group Critical Illness customers automatically have access to the following support service at no additional cost.
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.