Critical illness cover

Our critical illness cover benefit falls within two groups. Each group provides cover for different conditions, with different payment amounts.

• Group one conditions – the full amount you’re covered for will be paid out
• Group two conditions – you’ll get what’s called an additional payment, which means the money you receive if you claim on these conditions won’t affect what you could be paid on future claims. It’s 25% of the sum assured or £25,000, whichever is lowest

As with core cover, our enhanced critical illness benefit is split into two groups, with more conditions included in each. Pregnancy cover is also built in to our enhanced cover.

• Group one conditions – the full amount you’re covered for will be paid out
• Group two conditions – you’ll get what’s called an additional payment, which means the money you receive if you claim on these conditions won’t affect what you could be paid on future claims. It’s £35,000 or the full amount you’re covered for, whichever is lowest
• Pregnancy cover – an additional payout of £5,000 per pregnancy for one of the specified conditions, including foetal death in utero. Any payments you get from pregnancy cover won’t affect what you could be paid on future claims

Children’s critical illness is split into five types of benefit, and any payments you get won’t affect what you could be paid on future claims.

• Group one conditions – £50,000 will be paid out
• Group two conditions – £25,000 will be paid out
• Child life cover – £10,000 will be paid out
• Birth defect cover – £5,000 will be paid out
• Hospitalisation benefit – £100 per night up to a maximum of £3,000

• This add-on means that we can pay your premiums if you can’t work for more than 26 weeks due to injury or illness

• Becoming permanently disabled could be devastating, and this option can take away some of your money worries while you adjust to a different way of life. If you’re unable to go back to work, we’ll provide financial support with your cover paid out all in one go

• Level term – the amount you’ll get if you claim stays the same, with no change to your premium
• Increasing term – the amount you’re covered for increases by 5% a year, with an increase in what you pay to reflect the change. We’ll always write to you to tell you about any increases before they happen
• Decreasing term – the amount you’re covered for decreases every month, in the same way as the outstanding amount on a repayment mortgage. There’s no change to your premiums
• Cover available on single life or joint life basis, with premiums paid monthly or annually

• Age at entry – the minimum age to take out our critical illness cover is 17 and cover must end before your 86^th birthday
• Term – our policy terms start at three years, extending to a maximum of 50 years