Critical illness cover

What makes AIG’s critical illness insurance so different?

Choose a better outcome

We don’t just rustle up a list of conditions as long as a hospital corridor.

Our critical illness insurance is about the impact an illness has on your life – not what it’s called.

To make everything as clear as possible, we’ve put over 20 conditions into four impact-based groups:

• Group 1: Degenerative neurological disorders.
• Group 2: Reduced heart function.
• Group 3: Surgery to the heart, aorta or pulmonary artery.
• Group 4: Surgery via the skull.

For details of all the other conditions we cover, take a look at our guide to see exactly what’s included.

 

 

Here’s an example

Take the group called Degenerative Neurological Disorders. Okay, so it’s not catchy. But it is a catch-all.

Degenerative neurological disorders tend to affect the neurons in the brain. Alzheimer’s, motor neurone disease (MND) and Parkinson’s are just a few of many examples.

But the group also covers other conditions that have a similar effect – conditions like the less well known Friedreich's ataxia. Some of the symptoms are similar to those experienced by people suffering with MND. So our critical illness cover doesn’t treat Friedreich’s ataxia any differently to MND.

Because it’s the impact that matters, not the name.      

 

 

Why do groups work better for you?

Grouping conditions together like this gives you broader cover by including related conditions. It means by being diagnosed with an illness in our grouped conditions, you’ll be eligible to receive your payment. Whatever the condition’s called - if it meets the group’s definition, we’ve got your back.

It also means your cover is futureproof. Say a new degenerative neurological condition is discovered tomorrow. Well, our grouped conditions are based on the impact it has on you, so you’re still covered.

 

 

All in all, AIG’s critical illness cover is a lot more flexible.      

Our critical illness cover is about giving you choices rather than ticking boxes. By giving you the freedom to personalise your policy to match your needs and budget, you only pay for what you need.

 

Choose flexibility 

It’s the insurance equivalent to building your own salad or sandwich.

Our critical illness insurance is built for flexibility. You start with the base, which we call Core Critical Illness. This covers the equivalent of over 45 conditions, plus life cover and terminal illness.

It also includes the top three you’re most likely to claim for: cancer, heart attack, and stroke. In fact, these three alone account for 81% of all our critical illness claims³.

³ AIG claims statistics, 2023

 

Then just add your toppings, for an additional cost, by selecting any or all of four additional options. (Unlike a salad, you can remove them at any time.)

We think it gives you a lot more flexibility.

If you agree, you can get our cover from a financial adviser or an insurance broker.

 

how to get your cover

Choose value

We aren’t just here to help you if you fall seriously ill. We’re also here to help you look after your everyday health and wellbeing.

That’s why every AIG customer gets free, unlimited access to our award-winning Smart Health service.

Smart Health includes 24/7 telephone and video appointments with a GP, 365 days a year. So if you don’t feel like leafing through last September’s copy of Angler’s Times at your local surgery, you now have a reliable and trusted alternative.

Healthy in body

When it comes to your physical wellbeing, we all know the importance of eating well to feel good. Smart Health includes free nutrition consultations to help you get the balance right. And if you want to get more active, you also get access to an online fitness programme.

 

Healthy in mind

Busy at work, rushing around for the kids, never seeming to have a moment to yourself…every now and then things can get on top of us. Sometimes it’s nice to just press pause, pick up the phone, and let it all out. Our mental health support service* is ready and waiting with a friendly ear and sound advice.

Your partner and any children up to the age of 21 also get access to Smart Health. Oh - and just in case you missed it, it’s all completely free of charge.

 

how to get your cover

¹ Teladoc data, April 2024

^{Smart Health is provided to AIG Life Limited customers by Teladoc Health. We want to let you know that these services are non-contractual, which means they don’t form part of the insurance contract with us. If our partnership with Teladoc Health ends, these services could be changed or withdrawn in the future.}

^{*The number of mental health sessions will be defined when you first speak to your practitioner.}