Meaningful financial help: A lump sum lets employees focus on recovery without money worries.

Enhance your package: A valued benefit that shows real commitment to your team.

Flexible and scalable: Works for small teams and large workforces alike.

Cost effective: Group rates make serious-illness cover affordable per employee.

Group critical illness cover pays a tax-free lump sum directly to an employee if they are diagnosed with a specified serious illness (such as cancer, heart attack or stroke) and survive the stated survival period (typically 14 days). Unlike income protection, which replaces earnings on an ongoing basis, critical illness pays a one-off sum that the employee can use however they choose: to cover medical costs, adapt their home, pay off debt, or simply provide breathing space during treatment and recovery.

Premiums are paid by the employer and are usually an allowable business expense. The benefit, however, belongs to the employee: giving them genuine financial security at one of the most difficult moments in their lives.

Most group critical illness schemes cover a core set of conditions including cancer, heart attack, stroke, multiple sclerosis, and major organ failure: often extending to 40 or more qualifying illnesses. Many policies also offer optional children's critical illness cover at no extra charge, providing additional peace of mind for employees with families.

Because the policy is arranged on a group basis, underwriting requirements are significantly lighter than individual cover. In most cases employees can join the scheme up to a free cover limit without providing medical evidence, making it quick and straightforward to roll out across your workforce.