Why cover?
  • affects 1 in 4 women / 1 in 5 men before retirement
  • 94.1% of the critical illness claims are paid
  • protect yourself and your family if you get seriously ill
Why us?
  • get the cover that will pay when you need it
  • save up to 35%, cover from £5 a month
  • free, fast and without obligation quotes
Insurers: Aviva, Legal & General, Liverpool Victoria, Scottish Widows, Vitality, Zurich

Key Features of Aviva's Life and Critical Illness Cover

Aviva’s Critical Illness Product is offered as an add-on to its two main products: Mortgage Life Insurance and Term Life Insurance. Its purpose is to strengthen the life protection cover to ensure stability in the event you becomes critically ill.

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Quick Facts on Aviva Critical Illness

Availability Aviva’s Critical Illness

  • Offered only under Aviva’s Mortgage Life Insurance and Term Life Insurance
  • It can be taken as:
    • an integrated option, where it coincides with the level of coverage for the life insurance cover.
    • An independent option, where it is treated separately from the life insurance cover

Payment of critical illness benefit

Since the critical illness product is bundled into the term life insurance or mortgage life insurance, the payout will be made upon:

  • Diagnosis of a critical illness for the person covered
  • Diagnosis of a children’s critical illness for the child of the person covered (payout will be a specified portion of the benefit amount)
  • The death of the person covered

The cover stops once the benefit amount or sum assured is paid out in full.

Amount of cover

  • For the integrated benefit option:
    • The amount of cover is equal to that of the life insurance cover.
    • Maximum sum insured: £2,000,000
    • Maximum is based on the aggregate of all critical illness coverage bought previously from Aviva or from other insurance providers.
  • For the independent benefit option:
    • The amount remains level throughout the duration of the cover.
    • Maximum sum insured: £2,000,000
    • Maximum is based on the aggregate of all critical illness coverage bought previously from Aviva or from other insurance providers.

Age restrictions

  • Covered person must be between 16 to 59 at the start of the cover
  • For guaranteed premiums: Cover ends at a maximum age of 75 (before the Insured Person’s 76th birthday) or at 40 years from the start of the cover, whichever comes earlier.
  • For reviewable premiums (where premium is up for review every 5 years and will increase over time): Cover ends at a maximum age of 90 (before the Insured Person’s 91st birthday) or at 50 years from the start of the cover, whichever comes earlier

Length of coverage

  • Minimum: 5 years
  • Maximum:
    • Guaranteed Premiums:  40 years or when the Person Insured reaches 76
    • Reviewable Premiums: 50 years or when the Person Insured reaches 91
  • For the integrated benefit option: The cover will end if a critical illness claim is paid out. This means that the life cover will also end.
  • For the independent benefit option: The payout for an independent critical illness benefit will not affect any life insurance policies an Insured Person has with Aviva.

Premiums

Premiums can be:

  • Guaranteed. Premiums remain level throughout the life of the policy and are included in the premiums for the entire plan.
  • Reviewable. Premiums are up for review every 5 years and will increase over time.

Benefits automatically included

  • Children’s critical illness cover
  • Ductal carcinoma in situ of the breast and Low Grade Prostate Cancer. Any claims for these will not affect the benefit amount to be paid out in case there is a diagnosis of critical illness.

Critical Illnesses Covered by Aviva

The Critical Illness benefit will pay the benefit amount (or a portion) for the following critical illnesses:

Critical Illness Covered

Type of Definition

Exclusions

Alzheimer’s Disease

Aviva

  • Other types of dementia

Aorta Graft Surgery

ABI+

  • Endovascular repair
  • Insertion of stents

Aplastic Anemia

Aviva

Bacterial meningitis

Aviva

Benign Brain Tumour

ABI+

  • Tumours in the pituitary gland
  • Angiomas

Blindness

ABI

Cancer

ABI

Cardiomyopathy

Aviva

  • Myocarditis
  • Heart enlargement
  • Other forms of heart disease
  • Cardiomyopathy related to alcohol or drug abuse

Coma

ABI+

  • Coma caused by drug abuse, including overdose prescription drugs and taking prescription drugs that are not actually prescribed by the patient’s doctor
  • Coma caused by overconsumption of alcohol

Coronary Artery Bypass grafts/surgery

ABI+

  • Atherectomy
  • Balloon angioplasty
  • Insertion of stents
  • Laser treatments
  • Rotablation lasers

Creutzfeldt-Jakob Disease

Aviva

Deafness

ABI

Encephalitis

Aviva

  • Abnormalities that do not have definite clinical symptoms
  • Symptoms that have psychiatric or psychological origin
  • Nuerological signs that do not accompany symptomatic abnormality

Heart Attack

ABI+

  • Other acute coronary syndromes
  • Angina

Heart valve replacement or repair

ABI+

HIV Infection

ABI+

  • HIV contracted due to drug abuse, sexual activity or any other means not listed
  • HIV that is contracted in countries other than in

Kidney failure

ABI

Liver failure

Aviva

  • Liver failure caused by drug or alcohol abuse

Loss of hand or foot

ABI+

Loss of Independent Existence

ABI

Loss of speech

ABI

Major Organ Transplant

ABI

Motor Neurone Disease

ABI

Multiple Sclerosis

ABI+

Paralysis of limbs

ABI+

Parkinson’s Disease

ABI+

  • Symptoms secondary to drug abuse

Progressive Supranuclear Palsy

Aviva

Stroke

ABI+

  • Transient ischaemic attack
  • Abnormalities that do not have definite clinical symptoms
  • Symptoms that have psychiatric or psychological origin
  • Nuerological signs that do not accompany symptomatic abnormality

Third Degree Burns

ABI+

Traumatic Head Injury

ABI

Carcinoma in Situ of the Breast and Low Grade Prostate Cancer.

This covers a positive diagnosis of cancer in situ of the breast based on histological reports or Low Grade Prostate Cancer.  This excludes lobular carcinoma in situ.

The coverage will pay the lower of £20,000 or 20% of the sum insured.  For the benefit to be payable, Aviva will accept all forms of surgical removal (for breast cancer) and all current recognized surgical treatments (for low grade prostate cancer).  A Person Insured can make claims for each of these benefits (breast cancer and low grade prostate cancer).

Any claim for carcinoma in situ of the breast and low grade prostate cancer will not affect any future claims for other covered critical illness.

What Is the Critical Illness Cover of Aviva?

Aviva’s Critical Illness Cover is offered as an add-on to its two products: Term Life Assurance and Mortgage Life Insurance. It can be integrated into the plan or taken as an independent benefit (only for mortgage life insurance).

The Critical Illness cover will pay out the benefit amount (as a lump sum) upon diagnosis of a critical illness that is included in the policy’s list of covered critical illnesses.

Amount of Coverage

  • Critical illness can be taken as an integrated benefit or an independent benefit.
  • For the integrated benefit option:
    • The amount will depend on the amount of life insurance cover, which may change depending on the type of the plan (i.e. mortgage life insurance, which decreases over time)
    • The benefit amount for critical illness is the same as that of the life cover.
    • Maximum sum insured is £2,000,000, for all critical illness coverage (including critical illness coverage bought previously from Aviva or from other insurance providers)
    • Adding the critical illness cover to a plan also limits the maximum sum insured for the life cover. In this case, the maximum life cover is £2,000,000.
  • For the independent benefit option:
    • The amount remains level throughout the duration of the cover.
    • The benefit amount for critical illness is treated separately from the life cover and may be a different amount.
    • Maximum sum insured is £2,000,000, for all critical illness coverage (including critical illness coverage bought previously from Aviva or from other insurance providers)

Who Is Covered

The life insured: Age must be between 16 to 59 when the cover starts.

The life insured’s children:

  • Children, either by birth or legal adoption, as well as step children
  • The children should be between 30 days to 18 years old at the time of diagnosis of the critical illness

What You Will Receive

The critical illness benefit will pay:

  • The benefit amount, if you are diagnosed with a covered critical illness. That is, if the critical illness meets the definitions stated in the policy. The insured person should survive 14 days after the date of the diagnosis.
  • £20,000 or 20% of the sum insured, whichever is lower, if you are diagnosed with low grade prostate cancer or carcinoma in situ of the breast. Payout for low grade prostate cancer or carcinoma in situ of the breast will not affect the critical illness cover. This cover will continue and pay for the other critical illnesses listed in the policy.
  • £20,000 or 50% of the sum insured, whichever is lower, if your child is diagnosed with a covered critical illness. If you are insured and have children, you can make up to two claims for children’s critical illness. Your claims are treated separately from your children’s critical illness claims. That is, any claim you have for yourself will not affect benefits for the children’s critical illness cover, and vice versa.

For the integrated option, once the critical illness benefit is paid out in full, the coverage will cease.

Length of the Cover

  • For the integrated benefit option: The cover will end if a critical illness claim is paid out. This means that the life cover will also end.
  • For the independent benefit option: The payout for an independent critical illness benefit will not affect any life insurance policies an Insured Person has with Aviva.

What You Are NOT Covered For

The client will not receive any Critical Illness payouts for:

  • Diagnoses that does not match the definitions provided for a specific critical illness
  • Claims made after 26 weeks from the time of the diagnosis or surgery
  • Claims made where the insured failed to survive for at least 14 days after the diagnosis
  • Illnesses that arise from alcohol or drug abuse (i.e. drug overdose)
  • Illnesses that are a result of being involved in a criminal act
  • Illnesses that arise from a self-inflicted injury, including attempted suicide

Making a Claim

Claims are to be made as promptly as possible, and within 26 weeks from the time of the diagnosis or surgery. Claims can be made via:

After receiving your claim, Aviva will request medical information from the Person Insured’s hospital consultants and GP.

This article is for informational pruposes only and should not be considered a financial advice. Contact Aviva directly for information about their products.

Last updated on: 25.07.2012

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