When looking into different life insurance policies, there are many things to consider – the amount of coverage needed, who should be the beneficiary, and dependent coverage are all common questions that are asked.
But, what if you are diagnosed with a critical illness at some point in your life?
Does standard insurance cover that? Luckily, Aviva Critical Illness Cover is specifically created to assist individuals if they are diagnosed with a critical illness such as Alzheimer’s disease, cancer, and Multiple Sclerosis, but to name a few.
What Does Critical Illness Cover Include?
Critical Illness Cover is a plan specifically created to assist individuals and their families in the event of a critical illness. This coverage will disburse either a full or partial payment to the assured or their dependents in the event of a finding of a critical illness to help lessen the financial burden during these difficult times.
Aviva Critical Illness Cover also provides holders with access to services from the RED ARC nursing group. These services will partner you with a fully trained and dedicated nurse to help come to terms with your condition and coordinate any treatment.
What Conditions are Covered Under Critical Illness Coverage?
Below is a table of conditions that are covered under Aviva’s Critical Illness Cover policy. Next to each condition is an outline of the stipulations that will surround a successful claim. These stipulations are based on the industry standards set forth by the Association of British Insurers.
This table does not go into detail about the severity of each condition, which may be important to make a successful claim. If you are interested in Aviva’s Critical Illness Coverage, please contact Claybrooke Life Insurance and one of our industry leading advisors can explain the terms and policy in more detail.
|
Condition |
Stipulations |
Compared to Industry Standard |
Full Payment |
Partial Payment |
|
Alzheimer’s |
Before |
Enhanced |
Yes |
|
|
Aorta |
Resulting |
Enhanced |
Yes |
|
|
Aplastic |
Own |
Yes |
||
|
Bacterial |
Own |
Yes |
||
|
Benign |
Resulting |
Enhanced |
Yes |
|
|
Benign |
Own |
Yes |
||
|
Blindness |
Permanent |
Meets |
Yes |
|
|
Cancer |
Excluding |
Enhanced |
Yes |
|
|
Carcinoma |
With |
Own |
No |
20% |
|
Cardiomyopathy |
Of |
Own |
Yes |
|
|
Coma |
Resulting |
Enhanced |
Yes |
|
|
Coronary |
Enhanced |
Yes |
||
|
Creutzfeldt-Jakob |
Own |
Yes |
||
|
Crohn’s |
Treated |
Own |
No |
20% |
|
Deafness |
Permanent |
Meets |
Yes |
|
|
Encephalitis |
Own |
Yes |
||
|
Heart |
Of |
Enhanced |
Yes |
|
|
Heart |
Enhanced |
Yes |
||
|
HIV |
Caught |
Enhanced |
Yes |
|
|
Intensive |
Requiring |
Own |
Yes |
|
|
Kidney |
Requiring |
Meets |
Yes |
|
|
Liver |
Own |
Yes |
||
|
Loss |
Permanent |
Enhanced |
Yes |
|
|
Loss |
Own |
Yes |
||
|
Loss |
Permanent |
Meets |
Yes |
|
|
Low |
With |
Own |
No |
20% |
|
Major |
Enhanced |
Yes |
||
|
Motor |
Resulting |
Enhanced |
Yes |
|
|
Multiple |
With |
Enhanced |
Yes |
|
|
Multiple |
Own |
Yes |
||
|
Paralysis |
Total |
Enhanced |
Yes |
|
|
Parkinson’s |
Before |
Enhanced |
Yes |
|
|
Pneumonectomy |
Removal |
Own |
Yes |
|
|
Pre-Senile |
Before |
Own |
Yes |
|
|
Primary |
Of |
Own |
Yes |
|
|
Progressive |
Own |
Yes |
||
|
Pulmonary |
Own |
Yes |
||
|
Removal |
Own |
No |
20% |
|
|
Rheumatoid |
Of |
Own |
Yes |
|
|
Severe |
Of |
Own |
Yes |
|
|
Significant |
Own |
No |
20% |
|
|
Stroke |
Resulting |
Enhanced |
Yes |
|
|
Structural |
Own |
Yes |
||
|
Systemic |
Of |
Own |
Yes |
|
|
Terminal |
Own |
Yes |
||
|
Third |
Covering |
Enhanced |
Yes |
|
|
Total |
Meets |
Yes |
||
|
Traumatic Head Injury |
Resulting in permanent symptoms |
Meets ABI |
Yes
|
When looking at coverage options, one of the biggest concerns and questions that are asked by policy seekers is if dependents will be covered under the policy and how much coverage is provided for them. With Avaia’s Critical Illness Cover, children are automatically included in the policy.
This coverage is limited, however. Dependent children can receive up to 50% of the amount assured, for up to £25,0000. Knowing that children are covered under this plan is a huge relief for many, especially in the event of a critical diagnosis that has a large effect on the family.
Purchasing an insurance policy is a great way to put your mind at ease and know that spouses and children will be protected is anything happens. Aviva’s Critical Illness Cover takes that one step further by offering assistance in the event of a critical illness.
If you need more information or what like to apply for this type of coverage, please call Claybrooke Life Insurance and one of our highly trained insurance advisors will assist you. These advisors will discuss with you the different insurance options and walk you through the application process. They will also ensure the policy being reviewed will be able to fit all needs.
Do Aviva do Life Insurance?
Yes, Aviva does life insurance at £9.89 per month for £238000 of cover.
Do Aviva do Life Cover?
Yes, Aviva life cover is £13.03 per month for £238000 of cover.
Does Aviva do Life insurance over 50?
Yes, Aviva Life insurance over 50 is £9.75 per month for £203000 of cover.
Does Aviva offer Income protection insurance?
Yes, Aviva Income protection insurance is £10.2 per month.
Does Aviva offer mortgage life insurance?
Yes, Aviva mortgage life insurance is £7.54 per month for £232000 of cover.
What are Aviva rates for critical illness cover?
Aviva rates for critical illness cover is £8.39 per month for £249000 of cover.
Does Aviva have positive reviews for life insurance?
Yes, Aviva reviews are commendable for life insurance.
Does the Aviva life insurance calculator show the monthly costs?
Yes, the Aviva life insurance calculator shows the positive monthly costs.
Does a Aviva life insurance advisor charge a substantial fee?
No, Aviva life insurance advisors are free.
Does Aviva offer whole of life insurance?
Yes, Aviva Whole Life Insurance is £6.86 per month for £202000 of cover.
Does Aviva offer Joint life insurance?
Yes, Aviva Joint life insurance is £7.39 per month for £281000 of cover.
Does Aviva offer Terminal illness cover?
Yes, Aviva Terminal illness cover is £7.74 per month for £269000 of cover.
Does Aviva offer Term life insurance?
Yes, Aviva Term life insurance is £7.88 per month for £208000 of cover.
Do Aviva do Decreasing term life insurance?
Yes, Aviva does decreasing term life insurance at £6.66 per month for £298000 of cover.
Does Aviva do Increasing term life insurance?
Yes, Aviva does increasing term life insurance at £9.58 per month for £239000 of cover.
Does Aviva do Level term life insurance?
Yes, Aviva does level term life insurance at £8.42 per month for £207000 of cover.
Do Aviva do Family income benefit life insurance?
Yes, Aviva does family income benefit life insurance at £8.76 per month for £283000 of cover.