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    Donating Blood

    Critical Illness Cover

    What it Covers

    Critical Illness cover is a well-regarded employee benefit, designed to take the financial pressure off an employee if they develop a medical condition defined as a critical illness by the insurer. Typically, around 13 core illnesses are covered including cancer, heart attack, stroke and dementia.

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    In the unfortunate event of a critical illness being diagnosed, a tax-free lump sum will be paid directly to the employee who can spend it how they wish. It might be used to pay bills, fund healthcare costs, or finance a well-earned holiday once treatment is complete.

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    The lump sum is normally based on a multiple of an employee’s salary from 1X to 5X, up to a maximum benefit of £500,000.

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    Children are typically covered free of charge from birth until their 18th birthday with lower benefits. Partners of employees can also be included.

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    There are around 7.6 million people living with heart and circulatory diseases in the UK
    British Heart Foundation - March 2021

    Added-Value Benefits

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    Most critical illness insurers allow cover to be extended, at additional cost, to cover a longer list of medical conditions.

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    Added-value benefits such as stress counselling, nursing helplines and second medical opinion services are often incorporated within a critical illness policy.

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    Including critical illness cover in an employee benefits package will show your employees that you’re a caring employer and will help you attract and retain staff.

    We will review the market to find you the best

    Critical Illness Cover

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