Critical illness cover can be included with level term or decreasing term policies, with a term between 5 to 50 years.
If you're diagnosed with a critical illness (and survive more than 10 days), you’ll be able to make a claim on your policy.
This could provide financial protection for you and your family at a time when you're unable to work.
To take out critical illness cover with Aviva you need to be aged 18 - 64 years old and the maximum cover is £1 million, (although this sum will be unnecessary for most).
Aviva covers 54 medical conditions, including Alzheimer’s disease, heart attack, cancer and stroke.
You’ll receive a pay out if diagnosed with a critical illness, that is specified in the policy, (and you survive more than 10 days).
It's important to note that once you've made a claim, then the policy will end and you'll no longer be covered.
Some medical conditions come under their critical illness benefit, of which they pay out only a percentage of your total cover amount, to help with any surgery or treatment.
Meaning you'll be left with the remaining cover if you were to fall ill again.
Reassured are able to offer critical illness cover as a standalone policy, which can be taken out alongside your life insurance policy. This way your life will always be protected if you become critically ill.
With Aviva’s critical illness plan, your children would also be covered for any of the specified illnesses.
As long as the child is between 30 days and 21 years* and survives the illness for at least 10 days, then a percentage of the cover amount will be paid out, (up to 50% and a maximum of £25,000).
If the child was to pass away during the policy term, then Aviva will pay a children’s death benefit of £5,000 on top of any funds received with critical illness cover.
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