The basic option is for a policy to include only the following 14 conditions: Dementia (including Alzheimer’s Disease) - of specified severity Cancer including Hodgkin’s disease - excluding less advanced cases Cancer second and subsequent – new and unrelated cancer Cardiac Arrest - with insertion of a defibrillator Coronary artery by-pass grafts - with surgery to divide the breastbone Creutzfeldt-Jakob disease (CJD) - resulting in permanent symptoms Heart attack - of specified severity Kidney failure - requiring dialysis Major organ transplant - from another donor Motor neurone disease - resulting in permanent symptoms Multiple sclerosis - with persisting symptoms Parkinson’s disease - resulting in permanent symptoms Progressive supranuclear palsy - resulting in permanent symptoms Stroke - resulting in symptoms lasting at least 24 hours

A policy could have the following additional 26 conditions as well as the standard 14 core conditions: 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 the United Kingdom, Australia, Canada, the Channel Islands, a European Union country, the Isle of Man, Japan, Hong Kong, New Zealand and USA 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 With 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. The quote will confirm the choice made by your client.

Children Our policy automatically includes the insured employee’s children, from birth to 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 dependent upon the insured employee or legally adopted by the insured employee Children are covered for the same illnesses and conditions as the insured employee as well as for the following 6 child-only conditions: Cerebral palsy Child Loss of Independent Existence Cystic fibrosis Hydrocephalus – treated with insertion of a shunt Muscular Dystrophy Spina bifida The benefit payable for a child under the policy is 25% of the employee’s insured benefit up to a maximum of £20,000. Cover for a child is dependent on the employee being covered under the policy.

Group Critical Illness

Designed to pay out a tax-free lump sum if an insured employee is diagnosed with a specified critical illness or condition and for most conditions survives for 14 days. Can provide cover for up to 41 conditions.

Key documents

PDF file: Group Critical Illness Cover Product Brochure PDF size: 1301 KB

PDF file: Group Critical Illness Cover Wellbeing Services Brochure PDF size: 1068 KB

PDF file: Group Critical Illness cover technical guide PDF size: 3572 KB

PDF file: cic-claim-form.pdf PDF size: 1509 KB

PDF file: cic-quote-appendix.pdf PDF size: 5981 KB

Get a quote

For Group Critical Illness Cover quotes please contact your account manager or email us.

Email us

Product details


Minimum policy size	From 10 employees.
Maximum policy size	No maximum.
Types and amount of benefit available	For employees - up to £500,000, or five times scheme earnings, whichever is lower. For spouses and registered civil partners - up to £250,000.
Children’s cover	The children of an insured employee are included as standard from birth to age 21. The amount of cover payable for an eligible child is the lower of 25% of the insured employee’s cover and £20,000.
Cover for spouse, partner or registered civil partner	An employee’s spouse, partner or registered civil partner can be covered for an additional cost.
Benefit levels	Choose different benefit levels for defined groups of employees.
Number of conditions covered	Core cover – 14 conditions Additional cover – an extra 26 conditions, covering 40 conditions in total Children are covered for the same conditions as the insured employee. Plus, we also provide an additional 6 child-only core conditions.
Free limit	This is the maximum amount of cover we can provide before we ask for medical underwriting. Up to £500,000 benefit for employees depending on policy size and benefit choices.
Employee eligibility	All employees, or a clearly defined group of employees.
Age range	16 to 70. Maximum of state pension age for terminal illness and total and permanent disability conditions.
Premium payments	Can be made monthly or annually.
Cover during temporary absence	Continued up to 3 years if absence is due to an illness or injury. Continued for 1 year if absence is for any other reason, such as sabbatical. Options to continue cover for other durations are also available, including continuing cover up to the maximum cover age if the absence is caused by an illness or injury.
Overseas cover	Continues during overseas business trips. Cover for overseas workers, residents and secondments individually considered.
Pre-existing conditions exclusion	We won't pay benefit for any specified condition, before an insured person's cover starts, that was diagnosed or which they: have experienced symptoms of had taken medical advice on have been investigated for or treated for.
Related conditions exclusion	We won't pay benefit for an insured condition within two years of cover starting if it results from a related conditions which they: have received treatment for suffered symptoms of have sought advice on were aware of.

Conditions covered

Core cover

The basic option is for a policy to include only the following 14 conditions:

Dementia (including Alzheimer’s Disease) - of specified severity
Cancer including Hodgkin’s disease - excluding less advanced cases
Cancer second and subsequent – new and unrelated cancer
Cardiac Arrest - with insertion of a defibrillator
Coronary artery by-pass grafts - with surgery to divide the breastbone
Creutzfeldt-Jakob disease (CJD) - resulting in permanent symptoms
Heart attack - of specified severity
Kidney failure - requiring dialysis
Major organ transplant - from another donor
Motor neurone disease - resulting in permanent symptoms
Multiple sclerosis - with persisting symptoms
Parkinson’s disease - resulting in permanent symptoms
Progressive supranuclear palsy - resulting in permanent symptoms
Stroke - resulting in symptoms lasting at least 24 hours

Additional cover

A policy could have the following additional 26 conditions as well as the standard 14 core conditions:

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 the United Kingdom, Australia, Canada, the Channel Islands, a European Union country, the Isle of Man, Japan, Hong Kong, New Zealand and USA
- 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

With 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.

The quote will confirm the choice made by your client.

Family cover

Children

Our policy automatically includes the insured employee’s children, from birth to 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 dependent upon the insured employee or
legally adopted by the insured employee

Children are covered for the same illnesses and conditions as the insured employee as well as for the following 6 child-only conditions:

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

The benefit payable for a child under the policy is 25% of the employee’s insured benefit up to a maximum of £20,000. Cover for a child is dependent on the employee being covered under the policy.

Wellbeing support

Designed to keep employees healthy and happy at work, our EAP is offered to employers at no extra cost. Available to all employees of clients who are covered with us, even if the policy doesn’t cover them, this comprehensive support is available 24 hours a day, 365 days a year.

Employee assistance programme

Our Employee Assistance Programme (EAP) is a free, day-to-day wellbeing and counselling service that provides in the moment support to employees and their immediate family, 24/7 and 365 days of the year.

Employee Assistance Programme brochure (2.3mb pdf)

Benefits available


Confidential helpline	Employees can speak in confidence to experienced counsellors and advisers for friendly, non-judgemental support and information, 24 hours a day, 365 days a year. It’s accessible worldwide by phone, WhatsApp and SMS.
Day-to-day information services	Help with a range of topics, such as finances, career coaching, consumer advice, relationship mediation and much more.
Legal information service	Legal issues can be worrying, so it makes sense to get free initial information from a trained legal professional. The EAP can put employees in touch with solicitors who can help with a wide range of issues.
Medical helpline	Whether employees are looking for a sympathetic ear or practical guidance, they can speak to a qualified nurse about a range of medical or health-related issues.
Employee app and platform	Employees get much more than just an ordinary EAP. Our platform and app provides total wellbeing support through a whole host of health and wellbeing tools and resources to help employees be well, stay fit, remain healthy and in work. Employees have access to a digital gym, fitness and nutrition plans with hundreds of recipes, weekly podcasts, our monthly wellbeing webinar series, mental health e-learning, high street shopping discounts and much more.
Employer support	Management information about the EAP service. Account management support for schemes with more than 1,000 employees to help promote the EAP.

Support Services

Through our partnership with Medigo - a leading provider of local and international healthcare services with a network of over 1,100 hospitals and clinics in 35 countries across the globe, we provide employees covered by our group critical illness cover and their immediate family, a wealth of medical support services when its needed most.

1. Second Medical Opinion

Provided by MEDIGO

The Second Medical Opinion service provides employees we’re covering and their immediate families with access to a global network of medical specialists. The specialist will offer second opinions on diagnoses and treatments for almost any condition, allowing the employee to understand the potential impact of their condition and evaluate the most appropriate clinical pathway for their needs.

The Second Medical Opinion service can help to:

Avoid unnecessary treatments
Improve treatment outcomes
Provide peace of mind
Empower individuals to make informed choices on their healthcare

Typical specialities covered are Oncology, Neurosurgery, Orthopaedics, Cardiology, Gynaecology, and Paediatrics.

Second Medical Opinion offers a complete written evaluation of a patient’s medical history and diagnosis based on their available medical reports.

A specialist doctor (or a team of specialist doctors) from a leading medical institution with expertise in the diagnosis and treatment of the specific disease will either confirm the diagnosis and/or treatment plan or recommend a different diagnosis and/or alternative treatment plan(s) based on the latest advances in modern medicine and global standards of treatment for the condition.

To access the Second Medical Opinion service, the insured or their representatives can contact Medigo on 020 3871 8760 or by registering online by visiting our portal page.

2. Medical Concierge

Provided by MEDIGO.

Medical concierge offers access to privately paid for treatment in the UK or overseas. This service can help employees covered by our Group Critical Illness cover and their immediate family members, to focus on their health whilst the Case Manager co-ordinates the treatment plan.

The medical concierge service will:

Review the employee’s proposed treatment plan and supporting medical documents
Interview them to determine the desired treatment options, preferred location of treatment (UK or abroad), and treatment budget
Search and present up to three quotations for treatment
Book the treatment with the chosen provider (UK or abroad)
Provide telephone support throughout the period of treatment
Support with arrangements including flights, ground transport, accommodation, and interpreter services if needed
Provide help with visa applications if needed

Although the concierge service is free, the employee will need to pay for treatment and associated travel and logistics costs they choose.

To access the Medical Concierge service, the insured or their representatives can contact Medigo on 020 3871 8760 or by registering online by visiting our portal page.

3. Nurse Support Services

The diagnosis of a health condition or injury can be an unsettling time.

That’s why MEDIGO’s professional and personalised Nurse Support Service will be on-hand to provide a virtual service by offering practical, emotional support to employees if they receive a referral from a GP to a clinical specialist. The nurses provide on-going care every step of the way during the illness for employees covered by our Group Critical Illness cover and their immediate family members.

No question is too big or too small. The team can help the employee with many issues:

Have they been given a diagnosis that they’d like to talk through?
Have they been given some results that they don’t understand?
Have they booked a break away and realised they’ve left their medication at home
Do they need practical support finding medical equipment or accessories to aid their recovery or help them cope with their condition?

The service is not available for existing chronic conditions, mental health problems, cosmetic procedures or General Practitioner related services.

To access the Nurse Support service, the insured employee or their representatives can contact Medigo on 020 3871 8760 or by registering online by visiting our portal page

Care Concierge

Provided by Legal & General Health and Care

Only when elder care for a loved one needs to be considered does the realisation set in that the long-term care system is confusing and very complex. To support employees during this often emotionally charged and stressful period, we’ve introduced Care concierge. This telephone service and the online care service platform, provides employees with access to a care expert for guidance about a loved one’s later life care needs.

More about Care Concierge

Making a Group Critical Illness claim

Notify us about a claim

Claims can be made by completing our online Claim Notification Form

Member claim form

When we receive the Claim Notification Form we may contact the insured person and ask them to complete a Member Claim Form. The insured will be able to complete this online if we are provided with their personal email address on the Claim Notification Form.

Claims management

We’ll assess the information on the claim form to check if the insured person is eligible for cover. We’ll also need medical information to help us check the claim against the insured condition definition as well as our pre-existing and related conditions exclusions. This medical information could be a report from the insured person’s doctor or medical consultant. We’ll pay the cost of any medical reports we ask for.

For most insured conditions we’ll pay the lump sum if the insured person survives for 14 days after meeting the definition for the insured condition.

Claim payments

Payment is made to the insured or their representatives within 5 working days of the claim being accepted.

Claims queries

groupprotection.benefitsmanagement@landg.com
0345 072 0758
Lines are open from 9am to 5pm Monday to Friday

We may record and monitor calls.

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General queries

group.protection@landg.com
0345 026 0094

Lines are open from 9am to 5pm Monday to Friday.