Group critical illness - adviser information
Zurich Group Critical Illness provides employees with a lump sum should they, their child, or partner (optional cover), be diagnosed with one of the critical illnesses or undergo a surgical procedure covered by the policy.
Why choose Zurich Corporate Risk for Group Critical Illness?
With a Zurich Corporate Risk Group Critical Illness policy, your clients and their employees will benefit from broad cover, flexibility and expert support from our in-house clinical team and specialist external partners.
Broad cover
Our policy provides cover for 15 standard critical illness conditions and 11 specific child critical illness conditions. Your clients will have the option to include a further 27 critical illness conditions, optional cover for Cancer Drug Fund or Total Permanent Disability, and the ability to increase the maximum benefits.
Flexibility
Your clients can tailor their policy to meet the needs of their employees, their business, and their budget. This includes the option to provide cover for employees' spouses or partners.
Group Critical Illness – key features and benefits
- Maximum benefit of up to £500,000
- Cover can be provided for a spouse or partner for up to £500,000 (limited to the member's benefit)
- Child benefit providing 25% of the member’s benefit, up to the selected maximum
- Flexible maximum benefits with the ability to choose between £25,000 or £50,000 child benefit, and £250,000, £375,000 or £500,000 for the spouse or partner benefit
- Standard critical illnesses - providing cover for 15 defined illnesses and surgeries, including heart attack, cancer and stroke
- Automatically includes child critical illnesses, providing cover for 11 defined, specific child illnesses and surgeries, including child intensive care cover
- Additional critical illnesses - providing cover for an extra 27 defined illnesses and surgeries
- Total Permanent Disability cover can be provided on any of the following definitions: Own Occupation, Suited Occupation or Activities of Daily Living
- Cancer Drug Fund cover can be provided up to a total of £100,000 worth of cancer drugs
- Cover available for eligible employees aged 16 to 70
Group Critical Illness documents
The following documents provide more information about our proposition, policy conditions and any exclusions that may apply.
Hear from our team
Cindy Warden, Head of Zurich Corporate Risk and Nick Homer, Head of Market Management, talk about our Group Critical Illness product.
Flexible benefits
Our flexible benefits proposition gives your clients flexibility over how they design their benefits. It helps them to manage the cost of their employee benefits package, whilst giving their employees the flexibility to choose from the benefits made available to them.
Group Critical Illness flexible benefit options:
- Voluntary and flexible benefit options: giving employers the choice of whether or not to provide a minimum level of cover
- Spouse or partner cover: option for your clients to include spouse or partner cover with benefit levels of £250,000, £375,000 or £500,000 cover (limited to 100% of the member benefit)
- Benefit election: upon joining and at subsequent annual flex windows or lifestyle events, an employee can change their level of cover
- Flexible benefits steps can be set as either fixed amounts or multiple of salary, and can increase by multiple steps during a benefit election
- Available to your clients with 250 or more employees
Additional support services available with our Group Critical Illness cover
For our Group Critical Illness customers, we offer free access to a range of additional support services.
Virtual GP
With our 24/7 Virtual GP service (ZGP24) provided by HealthHero, your clients’ employees can get advice, reassurance and (where appropriate) diagnosis from an experienced GP whenever they need it.
Second Medical Opinion
A Second Medical Opinion service offers your clients’ employees access to a medical specialist for peace of mind about a diagnosis. They can ask questions about proposed treatment or about a condition or discuss if alternative treatment options are available.
Critical Illness Support service
Following a Group Critical Illness claim, our in-house clinical team can provide practical and emotional telephone-based support, for up to two years.
Cancer Support from Reframe
Those who have received a new cancer diagnosis can access support from a team of dedicated experts when they need it most. The service also includes the Information Hub, with information about cancer symptoms and how to make positive, healthy lifestyle choices.
Employee Assistance Programme
Our Employee Assistance Programme, provided by Health Assured, gives your clients and their employees access to structured counselling support as well as expert confidential advice, practical support and compassionate guidance 24/7.
Precision CancerCare
Our Precision CancerCare service, provided by Further, offers fast access to a customised treatment plan based on the specific type and cause of cancer, using the latest tumour profiling technology.
Suicide prevention support
Our ‘Raise the alarm’ suicide prevention support toolkit can help anyone prepare for a situation where they might be faced with someone reporting active suicidal thoughts. This includes a responder checklist for anyone dealing with an immediate threat of suicide.
Worldwide health and security information
Crisis24 Horizon is a mobile and online service helping to keep employees safe at home and abroad. It provides up-to-the-minute health and security information on 200 destinations worldwide.
Funding trees and supporting communities
Zurich is helping to fund Trees for the Future’s planting and restoration projects in Africa.
Over two years from January 2024, Zurich’s funding will enable the planting of more than one million trees across Mali and Senegal in West Africa, helping to restore land which has suffered from degradation or resource depletion.
The projects we support help to train farmers to adopt more sustainable and regenerative practices, empower women, restore degraded land, and support the local families who depend on it.