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Employee Benefits Quote
  • Group Critical Illness Insurance

    Protecting your company's most important asset...

    Critical Illness Cover pays a lump sum benefit should a member of staff suffer a serious illness.
    The most common conditions which are covered include cancer, heart attack and stroke.
    Additional benefits often include an Employee Assistance Program and Best Doctors Service.
    21% of people have suffered long term ill health during their working life. Met Life 2012
    Speak to our expert independent advisers and compare all of the UK's leading group life insurers.
  • What does Group
    Critical Illness cover?

    Critical illness insurance pays out a lump-sum provided an employee suffers a critical illness condition that is specified in the policy terms. Most group schemes cover around 12 core critical illness conditions.

    Commonly covered critical illnesses.

      1. Cancer 4. Multiple Sclerosis
      2. Heart Attack 5. Motor Neurones Disease
      3. Stroke 6. Parkinson's Disease

    Although cancer, heart attack and stroke represent the causes for up to 80% of claims, it is possible to add cover for around an additional 20 conditions with some insurers.

    Critical Illness Coverage
  • How does Group
    Critical Illness work?

    Stage 1:

    An employee suffers a critical illness condition
    covered in the policy.

    Stage 2:

    The business assists the employee in making a
    claim with the insurer.

    Stage 3:

    The insurer pays the sum assured to the
    business as the policy owner.

    Stage 4:

    The business then pays the funds to
    the employee (tax-free).

    Critical Illness Claims Statistics
  • Your Key
    Policy Options

    Level of cover

    The level of cover is usually set as a multiple of basic salary before tax, although fluctuating emoluments can be covered with some insurers.

    Tip: It is common for the level of cover to range from one to two times basic salary, on average, although some organisations do provide higher levels of cover.

    Length of cover

    Although group schemes are reviewable annually the plan can payout at any point up to a certain age, which is usually set in line with the company's retirement age.

    Tip: It was common for schemes to run until age 65 but with the removal of the fixed state pensionable age plans should now run until 'age 65 or State Pensionable Age'.

    Chances of Dying before Retirement
  • Our Delivery

    Being Independent Insurance Advisers we pride ourselves on being the experts, knowing every insurance product we offer inside out and back to front. Here's how we work -

    The Fact Find:
    We will talk you through the options available and capture vital information about the employees to be covered.

    The Research:
    We go out to all leading group insurers to gain the most competitive premiums.

    The Report:
    We email you a short report with pricing and insurer recommendations for the various options we've discussed. When you are happy to go ahead in many cases we are able to complete the application for you over the phone.

    Insurance Experts
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Group Insurance Question and Answer


What is group critical illness insurance?

Group Critical Illness has become more and more important since its introduction. We all know the statistics surrounding cancer and other life threatening illness such as heart attack or stroke. Any such event can be life changing both in an individual's personal and working life.

Critical illness cover provides a tax free lump sum should an employee be diagnosed with any of the critical illnesses listed in the policy terms. The most common conditions covered include cancer stroke and heart attack.

Do we need critical illness cover?

With the right support, many people diagnosed with a serious illness are able to make a full recovery and return to work. During difficult times the last thing an individual wants to worry about are their financial obligations and as such a great way to support your employees is with a lump sum payment which they can use as they wish.

This simplest way of providing this financial support is through a critical illness policy, it minimises the pressure around how to provide financial support for those employees absent from work after suffering a critical illness.

The lump can be used to cover the costs of the best medical treatment or make alterations to their living arrangements should they require. Many policies have the added benefit of providing an assistance program providing support to the employee during their recovery and their return to work when possible.

Group policy options

There are a range of factors which affect your premiums some relating specifically to your organisation others relating to the level of cover we will discuss both in further detail below.

Level of cover

The level of cover is often designed as a multiple of salary. On most policies the maximum benefit is set at 4 x salary to a maximum benefit of £500,000.

The greater the level of cover you provide your employees the more expensive the premiums, in addition to this the greater the sum assured the more likely an employee is to require manual underwriting.

Range of Employees Covered

The policy can be set up to cover certain groups of employees; cover could be set by a grading structure or position within your organisation.

Whatever you choose the premiums will be based on the group risk, the higher the salaries and the older the age of your population covered the more expensive the premiums will be per head.

Range of illnesses covered

A basic illness list is likely to cover a dozen of the most competitive critical illnesses; the comprehensive plan will add an additional 20 or so conditions to the policy terms. The greater the level of cover you require the higher the risk of a claim occurring and thus the greater your premiums.

Including total permanent disability

Total permanent disability is often an additional option on a plan and does not cover an illness per se but covers an employee should they be unable to work in their own occupation should they be made totally and permanently disabled for any reason.

Additional information

If you are reviewing an existing scheme or looking to introduce a new group critical illness insurance arrangement then we are in a great position to help you.

With our knowledge of the insurance industry and your understanding of your organisation and employees, together we can implement the most appropriate cover and ensure the most competitive premium rates from the insurers.

If you are looking to cover less than 3 employees you may well need to consider personal critical illness cover for each employee.

Client Reviews
02/03/2014  KH14

My income protection...
After recently going self employed I searched around for Income Protection Insurance. After speaking to one of the Drewberry Insurance advisors I was given all the necessary details...


No pressure, excellent service.
An excellent service with a range of competitive options, good advice, no pressure, all round very pleased...


Great advice!
I found the help offered was good and proper guidance given. Also no pressure. I was given several options on e-mail and once I had had a chance to look through them in my own time...

Publisher: Drewberry

Frequently asked group insurance questions

We are a small firm considering keyman insurance as there are 4 or so key members of the team we would really struggle without. How would we go about placing a monetary value on these individuals?
I’ve had a quote from an insurer for group income protection and there is a section on the quote that states a free cover limit, what does this mean?
We are a small company who are considering implementing a company medical insurance plan and wanted to get an idea of how much it is likely to cost? We have 19 employees and would like to provide them all with cover if possible?
Published by Andrew Jenkinson
Our aim is simply to provide you
with the best possible service.
Drewberry Insurance are a London based independent insurance brokerage providing insurance services to individuals and organisations
throughout the UK.
Our focus is to provide a great resource through our website and our expert advisers to help you make an informed decision when considering your financial protection .
We try our best, however, if you are unable to find what you need here just give us a call, we are here to help.
We would love to hear from you, whether you are enquiring about our services, a career, or a business partnership.
Our Locations
London Office
Corporate Advice
  020 8432 7333
Brighton Office
Personal Advice
  01273 646 484
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