The features of Group Critical Illness Insurance

Unum's Group Critical Illness Insurance includes:

• A guaranteed lump sum that is paid to the employee tax-free after a 14 day survival period (6 months in the event of Permanent Total Disability).
• Choice of level of cover on each policy – 13 named conditions under Base Cover, and a further 20 under Extra Cover. 
• Cover for Permanent Total Disability automatically included under Extra Cover.
• A minimum lives number of 5 – our product is accessible for small and large employers.
• Ability to choose which staff are covered. You can include all employees or specific categories such as those of a certain staff grade.
• Choice of how a lump sum is calculated - either as a fixed rate per employee or as a multiple of current salary.
• Children, including stepchildren and legally adopted children, aged between 6 months and 18 years are automatically covered at no extra cost.
• Spouse’s cover available as an option under both Base and Extra Cover.
• A policy that can be complementary to our Group Income Protection and Group Life Insurance products to form a complete group protection package for employees.

What does Unum provide?
Types of cover available
Who benefits?
Getting further advice