What Does Group Critical Illness Insurance Cover?

I’m considering Group Critical Illness Insurance for my employees. Before I do, I’d like to know what exactly Group Critical Illness Insurance covers and in what circumstances my workers would be able to claim?

Question asked by Ms K Rogers

Group Critical Illness Cover pays out a tax-free cash lump sum if a worker develops a specified critical illness.

But just what are these illnesses?

The most common illnesses employees claim for under these policies are:

  • Cancer
  • Heart attacks
  • Strokes.

However, ‘core’ cover under a Group Critical Illness policy typically protects against a total of 10-12 serious illnesses.

As well as the above three, these usually include:

  • Kidney failure
  • Motor neurone disease
  • Parkinson’s disease
  • Alzheimer’s disease
  • Major organ transplant
  • Surgery to fit coronary artery bypass grafts
  • Creutzfeldt-Jakob Disease (CJD).

Should a worker develop one of these conditions at the severity outlined in the policy, they’ll receive a lump sum payout.

Additional Critical Illnesses

You also have the option to include a list of ‘further’ or ‘additional’ illnesses on the policy. This will be for an extra premium, but will expand the scope of the protection.

Doing so adds cover for 20-25 or so additional serious illnesses, including conditions such as:

  • Aplastic anaemia
  • Bacterial meningitis
  • Benign brain tumour
  • Permanent and irreversible blindness / deafness
  • Cardiomyopathy
  • Paralysis
  • Loss of limbs.

Ultimately, the best way to work out what your scheme covers is to consult your policy wording. This should have a list of the illnesses the scheme covers and the severity criteria that must be met for the employee to make a successful claim.

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