Group Critical Illness

Financial reassurance when it's needed most

Critical Illness cover gives financial help and a wealth of support when someone’s diagnosed with a critical illness, or needs a serious operation covered by the policy. The tax-free lump sum we provide can be used as needed and could help with big costs, like the mortgage or adapting home facilities.

With a Group Critical Illness scheme, employers can add real value to their employee benefits package. Employees children are automatically included, and they can also add critical illness cover for their partner through our Aviva Flex-pertiseTM benefit, if this is chosen as an option by the client.

Ongoing cancer cover

We'll support your client's employees if it's their second or subsequent diagnosis of cancer, as defined under the policy

Children covered as standard

We provide cover for a range of conditions including five child-specific conditions as standard, up to a maximum benefit of £20,000 

Wellbeing services

Your clients' employees get access to a fully rounded suite of wellbeing services to help them make informed, balanced and positive lifestyle choices. 

Product details

Why Aviva Group Critical Illness?

What your clients can expect from Aviva Group Critical Illness cover:

Simplicity - no medical underwriting

Distinct cover as standard - we cover second and subsequent cancer diagnoses as standard

Automatic children's cover - at 25% of the member's benefit (up to £20,000)

Speed - we aim to pay claims quickly so the employee can focus on recovery

Support - access to a range of wellbeing services, including Aviva DigiCare+ Workplace app, provided by Square Health, Aviva Line Manager Toolkit: Mental Health, RedArc Personal Nurse Service, Stress Counselling Helpline provided by Care first, Get Active and the Wellbeing Library, all at no extra cost

Choice - different levels of cover and a host of optional extras allowing your clients to balance cost and requirements

Financial peace of mind - lets employees and their families focus on themselves instead of worrying about money at an already difficult time

Helping employers to stand out - offers their employees more than a salary - this is an investment in their health and wellbeing too. And quicker recovery times are better for everyone


Our cover includes

  • A lump-sum benefit up to 5 x salary (to a maximum of £500,000)
  • Children’s cover at 25% of the employee’s benefit (to a maximum of £20,000)
  • Cover for a comprehensive list of conditions and operations, including second or subsequent cancer diagnosis
  • Option to extend cover to protect employees' partners, up to £250,000
  • Choice between standard cover and extended cover, which includes more conditions
  • Cancer drugs fund option, which pays the cost of drugs recommended by an NHS specialist up to £100,000 if their recommendation is rejected by the local commissioning body on financial grounds
  • Total Permanent Disability (TPD) cover option allows your clients to protect their employees even if they're diagnosed as totally and permanently disabled

How it works

The policy pays a lump sum if a member is diagnosed with a critical illness, or undergoes an operation covered by the plan, and survives for at least 14 days from diagnosis or the date of the operation.

The conditions and operations covered by the policy depend on whether your client has chosen standard or extended cover. We don’t cover pre-existing conditions, related pre-existing conditions, associated conditions or self-inflicted injury. 

There’s no need to medically underwrite each employee - saving your clients time and effort in setting up their scheme. But scheme-level factors such as age, claims experience and scheme size may affect pricing.

Conditions covered

Here you'll find details on the conditions covered under each type of cover, information about optional extras and policy exclusions. 

Your clients can choose between two types of cover - Standard and Extended. Here are the full lists of the conditions we cover under our policy:

Standard cover

Extended cover

Child cover

Optional extras


Wellbeing services

Our cover comes with wellbeing services that give employees crucial support in their time of need and help your clients to enhance their benefits package - all at no extra cost.

We’ve summarised these services here and you can find more information in our ‘Group Critical Illness: Wellbeing services’ brochure.

All of the services below are non-contractual and can be withdrawn by Aviva at any time.

Aviva DigiCare+ Workplace - provided by Square Health

Aviva Line Manager Toolkit: Mental Health

RedArc Personal Nurse Service

Stress helpline - provided by Care first

Get Active

Wellbeing Library


We aim to make the claims process as stress-free as possible for everyone involved. Our team is trained to use their discretion and deliver an empathetic, first-class service.

Here is a summary of the process:

  1. Let us know
    The employer should tell us about the illness or operation within three months of diagnosis.

  2. Provide some information
    We’ll ask the employer about their employee and we will then contact the employee directly to obtain further information about their condition and to request consent to contact the doctor(s) involved in the diagnosis and treatment. Once we’ve received the consent, we’ll then get in touch with the doctor or specialist treating the employee for medical information.

  3. We’ll pay the lump sum
    If we’re happy with the details, we’ll arrange to pay the lump sum as quickly as possible.

For claims help or queries, call 0800 015 7523
Lines are open Monday to Friday 9.00am to 5.00pm
Calls to and from this number may be recorded and/or monitored.

Or email for further information.

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How to apply

Email our team on

or speak to your Aviva Account Manager.


If you're applying for a business with under 250 lives you can use our online system:

Aviva Group Protection Online.


If your query relates to an existing policy please call

0800 051 3472

or email

Lines are open 9.00am – 5.00pm, Monday – Friday. 

For our joint protection, telephone calls may be recorded and monitored and will be saved for a minimum of five years. Calls to 0800 numbers from UK landlines and mobiles are free. 

Related products

Group Life

Giving employees the reassurance that their loved ones will have some financial support, should the worst happen.

Group Income Protection

Providing financial support and rehabilitation services for employees unable to work due to illness or injury.

Aviva Flex-pertise™

Flexible benefits plans that allow employees to take greater control of their workplace benefits package.

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