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• 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

• 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

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.

Quick Facts on Aviva Critical Illness

Critical Illnesses Covered by Aviva

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

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:

• The phone
• Post
• Online (www.aviva.co.uk/life-claims)

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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