What's covered

Group Critical illness pays out a lump sum if the insured person  has been diagnosed with a specified serious illness or condition, and then in most cases survives for at least 14 days. We only cover the critical illnesses we define below.

Our Group Critical Illness policy can also cover all these additional conditions for an extra cost.


    • Angioplasty - to treat specific conditions of specified severity 
    • Aorta graft - surgery requiring surgical replacement 
    • Aplastic anaemia - with permanent bone marrow failure 
    • Bacterial meningitis - resulting in permanent neurological deficit 
    • Balloon valvuloplasty - to relieve heart valvular abnormalities
    • Benign brain tumour - resulting in either surgical removal or permanent symptoms 
    • Blindness - permanent and irreversible 
    • Cardiomyopathy - of specified severity
    • Coma - resulting in permanent symptoms 
    • Deafness - permanent and irreversible 
    • Encephalitis - resulting in permanent neurological deficit
    • Heart surgery - with surgery to divide the breastbone 
    • Heart valve replacement or repair - with surgery to divide the breastbone 
    • HIV infection - caught in a specified country from a blood transfusion, a physical assault or at work in an eligible occupation. 
      • The specified countries for HIV infection are European Union, the Channel Islands or the Isle of Man, USA, Australia, New Zealand, Japan, Hong Kong or Canada.
      • The eligible occupations for HIV infection caught at work are emergency services (police, fire and ambulance), medical profession including administrators, cleaners, dentists, doctors, nurses and porters, and armed forces 
    • Liver failure - of advanced stage
    • Loss of hand or foot - permanent physical severance
    • Loss of independent existence (including muscular dystrophy) - permanent and irreversible
    • Loss of speech - permanent and irreversible
    • Paralysis of limb - total and irreversible
    • Pulmonary artery surgery - to excise and replace with a graft
    • Respiratory failure - of advanced stage
    • Rheumatoid arthritis - of specified severity
    • Terminal illness - before state pension age where death is expected within 12 months
    • Third degree burns - covering 20% of the surface area of the body or 20% of the face or head
    • Total and permanent disability - before state pension age and of specified severity
    • Traumatic head injury - resulting in permanent symptoms

    For Additional cover we can:

    • cover Total And Permanent Disability on an 'own occupation basis'; or
    • cover Total And Permanent Disability on an 'any occupation basis'; or
    • exclude cover for Total And Permanent Disability and Terminal Illness.

    We'll tell you in our quote which we're covering.


The conditions listed typically use medical terms to describe how we assess and pay a claim, for full details of the definitions please refer to the Critical Illness Quote Appendix (5.5mb pdf).

Some conditions are not covered under our Group Critical Illness cover.

Family cover

Insured employees’ children are automatically covered, from birth by our policy. For an additional cost, an employee's spouse, partner or registered civil partner could be included.

Children and spouse, partner  or registered civil partner, where included, are covered for the same illnesses and conditions as the insured employee as long as the employee remains in the policy, and will be subject to the pre-existing and related conditions exclusions, described in detail under what's not covered.


We also cover children for six child only conditions including;

  • Cerebral palsy
  • Cystic fibrosis
  • Hydrocephalus – treated with insertion of a shunt
  • Muscular Dystrophy
  • Spina bifida
  • Child Loss of Independent Existence

Our policy automatically includes employees' children from birth until 21 years, as long as

  • they don't have a pre-existing or related condition
  • they are not married or in a registered civil partnership
  • and they are:
    • a child of the insured employee or
    • a stepchild of the insured employee due to marriage or registered civil partnership who is financially dependant upon them, or
    • legally adopted by the insured employee.

The benefit payable for a child under the policy is 25% of the employee's benefit up to a maximum of £20,000.

Spouse, partner or registered civil partner

A spouse, partner or registered civil partner can also be covered for an additional cost. The benefit payable under the policy can be up to a maximum of £250,000