Total Health Insurance in a Changing World

Group Critical Illness Cover

Group Critical Illness Insurance cover will pay a tax-free lump sum directly to your employee should they be diagnosed and survive, for a set number of days after the event, from serious medical condition.

Giving Your Employees Peace of Mind

Types of serious medical conditions that can be covered on a group critical illness policy are for example – cancer, heart or circulatory diseases – heart attack, organ failure, diseases of the brain and central nervous system, respiratory diseases, accidents and disabilities. There are many ways that you can reduce the risk of suffering from one of these conditions such as living a healthy lifestyle however statistics show that people everyday still suffer from these types of critical illnesses.

  • The risk of developing cancer up to the age of 50 is 1 in 35 for men and 1 in 20 for women.
  • Every two minutes someone has a heart attack
  • One person has a stroke every 5 minutes in the UK – which estimates as 150,000 people per year

Providing your employees with cover from a Group Critical Illness policy will not only provide them with a payout in the event that they experience critical illness, but it will give them the peace of mind that in the unfortunate instance that the worst does happen their employer will be there to look after them. This removes a level of stress that many employees who are concerned about such things will experience at some point in their life, and by removing this concern you enable your employees to work without concern that if they do experience critical illness they will be unable to support themselves or any other dependants.

The lump sum payment is paid directly to the member and it is entirely up to the employee how they spend it

The money could be used towards some of the following:-

  • fund treatments
  • make alterations to your home
  • make a large payment off your mortgage
  • make life style changes

Group Critical Illness Cover for Groups of all Sizes

A Group Critical Illness policy can be put in place simply and quickly, with options such as whether it’s based on a multiple of salary or a specified amount being entirely at your discretion. Through special arrangement with certain providers we have been able to arrange cover for groups as few as 3 employees with a free cover level of £500,000 per employee. One of the big advantages of the ease in setting up a Group Critical Illness policy is that it does not require you to question individual employees about their health or any pre-existing conditions as no medical declarations are required, furthering the simplicity and ease of setting up this policy.

Find out More

If you are interested in finding out more information regarding Group Critical Illness Insurance Cover or any other health insurance solutions for example group life insurance, income protection or group private medical insurance that we manage at BDHL we would be more than happy to discuss your enquiry.

Speak with a friendly member of our group critical illness team near Tunbridge Wells, Kent, by calling us on +44 (0)1892 891 900. They will take the time to ensure that you receive the relevant information that you’re seeking , alternative you can complete the contact form on this page.

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