Group Critical Illness cover can provide employees with a tax-free lump sum after they, their spouse or partner (if covered), or their child survive a covered critical illness for 14 days.


Group Critical Illness provides a tax-free lump sum to your employee if they’re diagnosed with a serious illness or condition covered by the policy.

The lump sum can be used however an employee wants to. For example, they could fund private health treatment, make adaptations to their home, take time off to care for a loved one, or take a well-deserved holiday once their treatment is finished.

Cover options:

Base cover: Typically 10 to 20 critical illnesses including heart attack, stroke, cancer and dementia including Alzheimer’s disease.

Extra cover: Base conditions plus additional critical illnesses which can include brain tumour, rheumatoid arthritis, terminal illness and total permanent disability.


Being diagnosed with a serious illness can cause a lot of anxiety – even if it’s at an early stage or of a less severe form. You may have to take time off work for treatment, which can cause stress and financial worries.

*Cancer Research UK, Sept 2014
**Cancer’s Hidden Price Tag”, Macmillan Cancer Support 2014