Information and Benefits of Aviva Critical Illness Cover

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.

aviva logo imageBut, what if you are diagnosed with a critical illness during 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
Disease

Before
age 65, resulting in permanent symptoms

Enhanced
ABI+

Yes

Aorta
Graft Surgery

Resulting
in permanent symptoms

Enhanced
ABI+

Yes

Aplastic
Anaemia

Own
definition

Yes

Bacterial
Meningitis

Own
definition

Yes

Benign
Brain Tumour

Resulting
in permanent symptoms or requiring invasive surgery

Enhanced
ABI+

Yes

Benign
Spinal Tumour

Own
definition

Yes

Blindness

Permanent
and irreversible

Meets
ABI

Yes

Cancer

Excluding
less advanced case

Enhanced
ABI+

Yes

Carcinoma
in Situ of the Breast

With
specified treatment

Own
definition

No

20%
of sum assured to a maximum of £20,000

Cardiomyopathy

Of
specified severity

Own
definition

Yes

Coma

Resulting
in permanent symptoms

Enhanced
ABI+

Yes

Coronary
Artery By-Pass Grafts

Enhanced
ABI+

Yes

Creutzfeldt-Jakob
Disease (CJD)

Own
definition

Yes

Crohn’s
Disease

Treated
with intestinal resection

Own
definition

No

20%
of sum assured to a maximum of £15,000

Deafness

Permanent
and irreversible

Meets
ABI

Yes

Encephalitis

Own
definition

Yes

Heart
Attack

Of
specified severity

Enhanced
ABI+

Yes

Heart
Valve Replacement or Repair

Enhanced
ABI+

Yes

HIV
Infection

Caught
in the European Union, North America, Australia or New Zealand from a blood
transfusion, a physical assault or at work

Enhanced
ABI+

Yes

Intensive
Care

Requiring
mechanical ventilation for 30 consecutive days

Own
definition

Yes

Kidney
Failure

Requiring
dialysis

Meets
ABI

Yes

Liver
Failure

Own
definition

Yes

Loss
of a Hand or Foot

Permanent
physical severance

Enhanced
ABI+

Yes

Loss
of Independent Existence

Own
definition

Yes

Loss
of Speech

Permanent
and irreversible

Meets
ABI

Yes

Low
Grade Prostate Cancer

With
specified treatment

Own
definition

No

20%
of sum assured to a maximum of £20,000

Major
Organ Transplant

Enhanced
ABI+

Yes

Motor
Neurone Disease

Resulting
in permanent symptoms

Enhanced
ABI+

Yes

Multiple
Sclerosis

With
persisting symptoms

Enhanced
ABI+

Yes

Multiple
System Atrophy

Own
definition

Yes

Paralysis
of a Limb

Total
and irreversible

Enhanced
ABI+

Yes

Parkinson’s
Disease

Before
age 65, resulting in permanent symptoms

Enhanced
ABI+

Yes

Pneumonectomy

Removal
of a complete lung

Own
definition

Yes

Pre-Senile
Dementia

Before
age 65, resulting in permanent symptoms

Own
definition

Yes

Primary
Pulmonary Hypertenstion

Of
specified severity

Own
definition

Yes

Progressive
Supranuclear Palsy

Own
definition

Yes

Pulmonary
Artery Surgery

Own
definition

Yes

Removal
of an Eyeball

Own
definition

No

20%
of sum assured to a maximum of £20,000

Rheumatoid
Arthritis

Of
specified severity

Own
definition

Yes

Severe
Lung Disease

Of
specified severity

Own
definition

Yes

Significant
Visual Impairment

Own
definition

No

20%
of sum assured to a maximum of £20,000

Stroke

Resulting
in permanent symptom

Enhanced
ABI+

Yes

Structural
Heart Surgery

Own
definition

Yes

Systemic
Lupus Erythematosus

Of
specified severity

Own
definition

Yes

Terminal
Illness

Own
definition

Yes

Third
Degree Burns

Covering
at least 20% of the body’s surface area or covering at least 20% of the
surface area of the face or head

Enhanced
ABI+

Yes

Total
Permanent Disability

Meets
ABI

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.