Group critical illness insurance
Our game-changing approach to group critical illness cover gives employees a tax-free sum of money if they fall seriously ill and are diagnosed with a specified condition. It’s new, it’s innovative, it’s not like what you’ve seen before.
It looks after an employee’s family too - children are covered as standard (up to £25,000) and there’s the option to add cover for a partner. Really, it’s about relieving money worries as quickly as possible, to help them feel confident about their financial future. Leaving them to focus on what matters: their recovery.
Our broadest ever cover
Feel confident you’re recommending a market-leading product to your clients – whether it’s money to adapt their home, adjust to a new way of life or to pay for childcare. Our group critical illness covers the equivalent of 50 conditions, and here’s some key things we think you should know about our cover. For the full details, have a read of our technical guide.
- Cover options: we offer one level of comprehensive cover as standard, and your clients can choose to extend cover to their employees’ partners and/or add total permanent disability cover. Employers can also pick between a fixed benefit amount or offer a multiple of salary – they can decide this when setting up their policy.
- Grouped conditions: for the first time we’re introducing grouped conditions – that means our critical illness cover is simpler for employees to understand. You’ll still see conditions you’re familiar with, like heart attack, cancer, stroke and dementia, but now we’ve consolidated 27 illnesses under eight straightforward headings. Say goodbye to long lists of complicated medical terms and hello to simplicity.
- Impact, not cause: we think it’s only fair that all conditions that have the same end result on an employee’s health are treated the same at the point of claim. It doesn’t matter what the illness is called or how rare it is. It’s the focus on specific surgeries or the impact of an illness on daily life that counts.
- Updated terms: our flexible benefits terms have been updated to make sure they meet employees’ needs. As well as making sure flex cover is an option for employers of all sizes, we’ve removed the benefit level limits at flexible benefit windows and lifestyle events, relaxed actively at work requirements and looked at our related medical conditions exclusion wording, so it’s easier to make a claim.
Swipe left on mobiles to view full details
Degenerative neurological disorder
|Alzheimer's disease, Creutzfeldt-Jakob disease (CJD), dementia, motor neurone disease (MND), Parkinson's disease, Parkinson plus syndromes, Progressive supranuclear palsy, plus any other degenerative neurological condition that meets our criteria|
|Reduced heart function||Cardiomyopathy, pulmonary hypertension, plus any other cardiac condition that meets our criteria
|Surgery to the heart, aorta or pulmonary artery||Aorta graft surgery, balloon valvuloplasty, cardiac arrest, cardiomyopathy, coronary artery bypass grafts, heart surgery, heart valve replacement or repair, open heart surgery, pulmonary artery replacement, plus any other condition that results in the specified surgeries|
|Surgery via the skull||Cerebral or spinal arteriovenous malformation or aneurysms, pituitary gland tumours, brain abscess, drug resistant epilespsy, plus any other condition that results in the specified surgery|
Award-winning health and wellbeing support
Our group critical illness cover is about so much more than financial protection. At AIG, your clients will have a team of experts on hand to make sure they’re ready for claims, ready for diagnosis and ready for anything.
Our dedicated team are here to support employees throughout the claims journey. Their focus is on relieving an employee’s money worries and making sure they’re confident about their financial future. Leaving employees to focus on what matters: their recovery and accessing the right support services.
As part of our industry-leading Smart Health service, employees can get a second medical opinion, whether they need support with a complex condition, or want a specialist’s opinion. There’s also access to five other health and wellbeing services, including 24/7 GP appointments and mental health support.
Nurse support from RedArc
Facing a new diagnosis isn’t easy, so RedArc make sure every employee has a dedicated nurse at the other end of the phone. Whether it’s practical advice or emotional support, they’ll be there for anything they need. The care's also there for the whole family, helping them cope with the impacts of a critical illness too.
Smart Health is provided to AIG Life Limited customers by Teladoc Health. Both RedArc and Smart Health are non-contractual benefits, which means they don’t form part of your insurance contract with us. If our partnership with Teladoc Health or RedArc ends, the services can be withdrawn at any time without notice.
Need more info?
We’ve answered some of the common questions we’re asked about group critical illness, but our team are more than happy to have a chat if there’s something specific you’re looking for. For full details, please see the technical guide.
(Click on each question to show its answer)
The lump sum benefit payable can be a fixed amount or a multiple of salary. The maximum benefit available for a member is £500,000. For workers on zero hours contracts, the maximum fixed amount we’ll normally offer is £50,000. You can vary the basis (including the multiple of salary or value of the fixed amounts) from one category to another, but not within a category.
If it’s a flexible benefit scheme, members choose from a range of fixed amounts or salary multiples on offer.
The insured illnesses are listed below. The member, child and, if covered, a spouse/partner of a member are covered for these illnesses. However children are covered under the child specific illness of permanent dependence rather than the illness loss of independence.
You can add total permanent disability (TPD) at an additional cost. For information on TPD and for the full definitions of the insured illnesses, visit our technical guide. Our cover matches or exceeds the cover provided by the ABI’s model definitions.
The following illnesses are grouped, focusing on their impact rather than a named condition:
- Blindness or removal of an eyeball – permanent and irreversible
- Brain injury – resulting in permanent symptoms
- Degenerative neurological disorder – of specified severity
- Loss of use of a limb
- Lung disease or removal – as specified
- Reduced heart function – of specified severity
- Surgery to the heart, aorta or pulmonary artery – as specified
- Surgery via the skull – as specified.
These conditions are also covered:
- Angioplasty – requiring treatment to multiple coronary vessels
- Bacterial meningitis – resulting in permanent symptoms
- Balloon valvuloplasty
- Benign brain tumour – resulting in permanent symptoms or specified treatment
- Benign spinal cord tumour – resulting in permanent symptoms or specified treatment
- Cancer – excluding less advanced cases and including aplastic anaemia
- Cancer – second & subsequent
- Coma – of specified severity
- Deafness – permanent and irreversible
- Encephalitis – resulting in permanent symptoms
- Heart attack – of specified severity
- Kidney failure – requiring permanent dialysis
- Liver failure – end stage
- Loss of independence – of specified severity (for adults only)
- Major organ transplant – from another donor
- Multiple sclerosis or Neuromyelitis optica (Devic’s disease) – where there have been symptoms
- (Chronic) Rheumatoid arthritis – of specified severity
- Stroke – of specified severity
- Systemic Lupus Erythematosus (SLE) – of specified severity
- Terminal illness – where death is expected within twelve months
- Third degree burns – covering 20% of the body’s surface area or 20% of the face’s surface area.
The following conditions are specific to any children covered:
- Cerebral palsy
- Cystic fibrosis
- Down’s syndrome
- Edwards’ syndrome
- Hydrocephalus – treated with the insertion of a shunt
- Muscular dystrophy
- Osteogenesis imperfecta
- Patau syndrome
- Permanent dependence – of specified severity
- Spina bifida.
For full information about the quote and apply process, please visit our 'Working with us' page. There, you’ll find a step-by-step guide, tailored to the size of the scheme you’re applying for.
In many circumstances, cover continues while a member is absent from work, including ill-health, maternity, paternity and adoption leave. If they’re absent from work for any other reason, cover will end after three years. There’s slightly different rules for fixed term and zero hours contractors – the full details are in our technical guide.
It’s normally possible to provide cover for all eligible employees up to a certain limit without the need to individually assess them. This limit is known as the automatic acceptance limit. Individuals are automatically covered up to the policy’s automatic acceptance limit, subject to exclusions on pre-existing insured illnesses and related medical conditions. These exclusions will always apply to a member’s benefit unless we’ve individually assessed them and advised of the removal of the exclusions in writing.
Full details are included in the technical guide.
The automatic acceptance limit is reviewed at the end of every rate guarantee period (usually two years) and is dependent on the number of members insured.
Cover can be provided for spouses or partners at an additional cost, with limits set at the member’s benefit up to a maximum of £250,000. Cover for spouse/partner will always be subject to exclusions on pre-existing insured illnesses and related medical conditions, unless we’ve individually assessed them and advised of the removal of the exclusions in writing.
All children are automatically covered up to their 18th birthday (23rd birthday if in full-time education), including stepchildren or legally adopted children. The benefit for each child will be 25% of the member’s benefit up to a maximum of £25,000. Children’s cover will be subject to further child-specific exclusions and exclusions on pre-existing insured illnesses and related medical conditions.
Full details are included in the technical guide.
For tax purposes, premiums paid by the employer in respect of employees are treated as a business expense. For employees, they’re treated as a P11D benefit. Any employee with a proprietorial interest in the company aren’t generally eligible for tax relief on premiums paid. HMRC may agree to allow such relief if similar benefits are provided for a substantial number of other employees. Clarification of the tax position in such cases should be sought from your tax advisers.
Equity partners pay for their own premiums and there’s no tax relief on these premiums. The benefit paid to the member (including equity partners) isn’t normally subject to income tax. We’ll always pay them gross of any tax that may be due.
This is our understanding of current legislation - we recommend that your clients take professional legal and tax advice.
Literature and support materials
Group critical illness - technical guide
An overview of the group critical illness policy, including policy aims, how it works, what is covered and how premiums are charged.
Group critical illness - member guide
This document is to help employees understand how their group critical illness cover works.
Group critical illness - terms and conditions
This explains how the cover works and the terms and conditions for Group Critical Illness Insurance.
Group critical illness - claims process
Get all the information you need on how we handle group critical illness claims from start to finish.