Group critical illness - employer information

Group critical illness cover can help create a well-rounded benefits package. It demonstrates that a company cares about employee wellbeing and could help with recruitment and retention of staff.

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. This could provide much-needed financial support at a critical moment to contribute towards unexpected costs such as home adaptations or additional childcare needs to attend appointments.

Why choose Zurich Corporate Risk for Group Critical Illness?

Our Group Critical Illness policy gives you the flexibility to choose what’s right for your business. You can tailor the level of cover to suit your budget.

As a Group Critical Illness customer, your employees will also have access to a range of additional support services, including Reframe’s Cancer Support service, an employee assistance programme, a 24/7 Virtual GP and a Second Medical Opinion service. 

• You can choose to offer a lump sum benefit as a fixed amount or calculated as a multiple of salary up to £500,000
• Child benefit providing 25% of the member's benefit, up to the selected maximum
• Standard critical illnesses - providing cover for 15 defined critical 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 can be provided for a spouse or partner for up to £500,000 (limited to the member's benefit)
• Flexible maximum benefits with the ability to choose between £25,000 or £50,000 child benefit and £250,000, £375,000 and £500,000 for the spouse or partner benefit
• Cover available for eligible employees aged 16 to 70

The following documents provide more information about our proposition, policy conditions and any exclusions that may apply.

• Group Critical Illness proposition summary (5.1 MB/PDF)
• Group Critical Illness proposition summary for those with access to services from Further (5.6 MB/PDF)
• Group Critical Illness technical guide (463.2 KB/PDF)
• Group Critical Illness terms and conditions (2.3 MB/PDF)

• Group Critical Illness cover - Standard and Child Critical Illness conditions and their exclusions (432.3 KB/PDF)
• Group Critical Illness cover - Optional Additional Critical Illness conditions and their exclusions (228.9 KB/PDF)
• Group Critical Illness cover - Total Permanent Disability Own Occupation and exclusions (1.1 MB/PDF)
• Group Critical Illness cover - Total Permanent Disability Suited Occupation and exclusions (259.7 KB/PDF)
• Group Critical Illness cover - Total Permanent Disability Activities of Daily Living and exclusions (1.1 MB/PDF)
• Group Critical Illness cover - Cancer Drug Fund benefit and exclusions (1.1 MB/PDF)

• Group Life Insurance
• Group Income Protection