Critical Illness Insurance

Provide your employees with financial peace of mind if they are diagnosed with a serious illness

What is Critical Illness Insurance?

Critical Illness Insurance pays your employees a tax-free lump sum of up to £500,000 if they survive a covered critical illness for 14 days. It includes cover for the conditions that people worry about most, including cancer, stroke and heart attack.

Start protecting your business today

Take care of your people and protect your business with a choice of options from one of the country’s largest, most respected insurers.

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How can Critical Illness Insurance help your business?

Cover for children

As well as covering your employees, Unum’s Critical Illness insurance also provides cover for your employees’ children from birth to 18 years (21 if in full-time education or vocational training), as standard.

Unlimited access to Unum's Employee Assistance Programme (EAP)

All Critical Illness customers automatically have access to Unum's Employee Assistance Programme which includes a 24/7 confidential helpline providing support on everyday issues covering family, money, health and wellness.

Award-winning cover from:

Workplace Savings & Benefits Awards 2014

Winner - Group Risk Provider of the Year

Unum is one of the UK’s leading financial protection insurers; they sell Income Protection, Critical Illness cover and Life Insurance. Unum insure 36 of the FTSE 100 and have a financial strength rating of A- (Strong) from Standard and Poor’s. As at July 2015.

 

Significant BenefitsBasicStandardComprehensive
To quote on and buy this product you will need a minimum of 2 employees.
Range of illnesses covered*Base cover provides cover for 11 critical illnesses including heart attack, stroke, cancer and dementia including Alzheimer’s diseaseExtra cover includes the conditions covered in Base, plus 27 additional conditions including brain tumour, rheumatoid arthritis, terminal illness and total permanent disabilityExtra cover includes the conditions covered in Base, plus 27 additional conditions including brain tumour, rheumatoid arthritis, terminal illness and total permanent disability
Critical Illness Insurance amount**
Directors2 x Average annual salary, bonus, commissions, dividends and director loan account payments received from the employer in the previous 3 years3 x Average annual salary, bonus, commissions, dividends and director loan account payments received from the employer in the previous 3 years4 x Average annual salary, bonus, commissions, dividends and director loan account payments received from the employer in the previous 3 years
Equity Partners2 x Average annual net taxable earnings received in the previous 3 years3 x Average annual net taxable earnings received in the previous 3 years4 x Average annual net taxable earnings received in the previous 3 years
Employees2.00 x Salary3.00 x Salary4.00 x Salary
Cover untilState Pension AgeState Pension AgeState Pension Age
Long term absence coverTo State Pension AgeTo State Pension AgeTo State Pension Age
Free cover for children from birth to 18 years (21 if in full-time education or vocational training)tickticktick
Employee Assistance Programme (EAP): 24/7 confidential helpline providing support on everyday issues covering family, money, health and wellnesstickticktick

For information related to Tax and National insurance please click here

 

*Cover is not provided for certain critical illnesses where a member has, or was aware of, a pre-existing or related condition

 

**Maximum benefit payable per claim event is £500,000

 

This is a summary of the cover provided by Unum. Please refer to the Unum User Guide for full information

Here's a little more information about the policies we provide:

Start protecting your business today
Take care of your people and protect your business with a choice of options from one of the country’s largest, most respected insurers.

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