Group Critical Illness Cover
A tax-efficient lump sum when an employee faces a life-changing diagnosis — providing financial freedom and access to the best healthcare at the most critical time.
Protection When It
Matters Most
Group Critical Illness Cover pays a tax-free lump sum to an employee upon diagnosis of a defined serious illness or following a major surgical procedure. Unlike income protection, which replaces salary over time, Critical Illness provides an immediate capital sum — giving the employee maximum flexibility in how they use the money.
The benefit is typically payable after a survival period (usually 14 days post-diagnosis), and the lump sum amount is set as a multiple of salary or a fixed amount, depending on scheme design.
As an employer-provided benefit, Critical Illness Cover can be offered as a core benefit (all eligible employees enrolled) or as a voluntary benefit (employees opt in and may fund it themselves). We help you determine the right approach for your business.
Get a Free QuoteWhat Qualifies for a Claim?
The exact list of covered conditions varies by insurer. The following are among the most commonly included — we ensure your policy covers the broadest possible range.
The Real Value of Critical Illness Cover
Financial Support at the Worst Moment
A serious illness diagnosis is devastating enough without financial pressure. The lump sum provides immediate liquidity — for private healthcare, home adaptations, or simply clearing mortgage obligations.
Access to Better Healthcare
The benefit can be used to access private specialists, treatments not available on the public system, or international treatment options — giving employees real choices at a critical time.
Flexible Employer Benefit
Critical Illness can be structured as a core employer-funded benefit or as a voluntary benefit where employees self-select into cover. Both approaches have merit depending on your workforce profile.
Complements Life Insurance
While Group Life Insurance pays on death, Critical Illness Cover pays on diagnosis — meaning employees are protected during the most difficult period of treatment and recovery, not just at the end.
Ready to Protect
Your Workforce?
A free initial consultation with no obligation. We'll assess your current position, explain your options, and search the market for the most competitive solution.