Critical illness insurance
Critical Illness Insurance gives you a tax-free cash lump sum to help cover costs associated with being diagnosed with a critical illness (as defined by the terms in the insurance contract).
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What it's for
Critical Illness cover can help you focus on your health and ease financial worries during a difficult time. This cover can protect your finances by paying cash benefits when you’re diagnosed with a serious condition, such as:
Cardiac arrest
Stroke
Cancer
Kidney disease
And more
You can use the money to pay bills, make alterations to your home to help with your disablement or to aid your recovery. You’re eligible to apply for this benefit up to age 70.
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Cover details
This is an optional benefit. There is no core Company-funded level of cover.
You can purchase cover:
For yourself in units of £25,000, up to a maximum of £150,000 (subject to the insurer’s rules).
For your spouse/partner in units of £25,000, up to a maximum of £100,000 (subject to the insurer’s rules), but only if you elect cover for yourself. Cover for your spouse or partner must not exceed the amount of cover purchased for yourself.
You can only elect cover or change your cover amount during Annual Enrolment of if you have a life event.
If you select this cover, your children under age 18 (or 21 if in full-time education) are automatically enroled in Critical Illness Insurance. Your children — including stepchildren and legally adopted children — up to age 18 (or 21 if in full-time education) are covered at 25% of your cover, up to a maximum of £20,000.
Illnesses Covered
The cover doesn’t include pre-existing conditions; if you, your spouse or partner or child were diagnosed as already suffering a critical illness covered by the policy, you may not receive any benefit for that condition or a condition associated with it. View a complete list of conditions and operations covered by Critical Illness Insurance.
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Costs
The chart below shows what you pay per month and per year for £25,000 of personal cover.
Age You Pay Monthly You Pay Annually 16 – 25 £1.12 £13.44 26 – 30 £1.82 £21.84 31 – 35 £2.94 £35.28 36 – 40 £4.76 £57.12 41 – 45 £7.71 £92.52 46 – 50 £12.41 £148.92 51 – 55 £17.04 £204.48 56 – 60 £25.21 £302.52 61 – 65 £35.00 £420.00 66 – 69 £50.25 £603.00 The chart below shows what you pay per month and per year for £25,000 of cover for your spouse or partner.
Age You Pay Monthly You Pay Annually 16 – 25 £1.30 £15.60 26 – 30 £2.13 £25.56 31 – 35 £3.49 £41.88 36 – 40 £5.73 £68.76 41 – 45 £9.42 £113.04 46 – 50 £15.34 £184.08 51 – 55 £18.92 £227.04 56 – 60 £26.35 £316.20 61 – 65 £34.33 £411.96 66 – 69 £47.96 £575.52
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Additional benefits
When you elect Critical Illness Insurance, you’ll have access to a range of additional services that can help support you during trying circumstances. These include:
Aviva DigiCare+ Workplace: Access medical second opinions, a health check to detect issues early on, mental health and nutritional consultations and more.
RedArc Personal Nurse Service: Get personalised, confidential support following a critical illness diagnosis. Registered nurses can help you and your family better understand a diagnosis and the therapies and treatments available.
Stress Helpline: When you’re feeling overwhelmed, turn to accredited counsellors day or night who can assist you with practical strategies.
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Making a claim
You must submit claims within three months of your diagnosis or undergoing surgery. If you do not submit your claim in this timeframe, the lump sum will be payable at Aviva’s discretion, provided there is evidence of your diagnosis or surgery.
If your claim is approved, you’ll receive your lump sum in pounds sterling in your bank account, if it is a UK bank account.
To make a claim, call 0800 0157523 Monday through Friday between 8:30 a.m. and 5 p.m. or email groupciclaims@aviva.com.
Leaving Iron Mountain?
If you’re leaving Iron Mountain for any reason (e.g., switching jobs, retiring, termination), your Critical Illness Insurance cover will end on the day you leave, as you’re only eligible for benefits while employed at Iron Mountain.