Critical Illness Flashcards
Critical illness pays out a lump sum on diagnosis or if someone undergoes surgery. For how many days do you need to survive after diagnosis?
10 days
Is it available as a single or joint policy ?
It’s available as both.
Can you make multiple claims?
No, after one claim the policy ceases.
What is additional critical illness benefit and what illnesses does this cover ?
Less advanced cancer of the breast
Less advanced cancer of the prostate
Aviva will pay the lower of £30,000 or 25% of the cover amount.
Children’s benefit- what age does this cover ?
Children are covered from 30 days old til there 18th birthday ( or 21st birthday if in full time education ) .
How many claims can you make for your child ?
One claim per child. Once accepted the policy will continue for the policy holder but not for the child.
What would the payout be for child diagnosed with a critical illness ?
The lower of £25,000 or 50% of the cover amount.
What’s the cover limit if a child dies during the policy term
£5000
What is Extra Care Cover ?
( ECC)
During the policy term ( have to be under the age of 55), when meet Aviva definition for dementia, Parkinson’s, motor neurone disease, kidney failure, liver or respiratory failure.
Pay extra £50,000 on top of any other payout.
What is the hospital benefit for children?
Will be paid if child is in hospital for more than 7 consecutive nights.
Max £100 a night from the eighth night stay onwards for a maximum of 30 nights.
List 5 of the optional benefits available under a critical illness policy.
Extra care cover
Fracture cover- up to £6000 per year
Global treatments
Total permanent disability cover
WOP
Upgraded children’s benefit
What types of conditions are covered ?
Brain and nervous system
Conditions around hearing, sight, feel and touch
Organ failures and transplants
Auto immune disorders
Heart and circulatory
Cancer
Children’s cover- as standard
What is TBD and what does it cover you for ?
Im stands for TOTAL AND PERMANENT DISABILITY
Can only add to CIC
If diagnosed with serious illness ( not specified on cic policy or serious injury .
And you are either unable to do your own job ever again OR 3 of 6 activities of daily working the CIC will pay out .
Essentially a sweep up policy.
