Employers

Group Critical Illness policies

COVID-19 and Group Criical Illness

COVID-19 is not specifically covered under a Group Critical Illness scheme but claims may be considered under other conditions. For a claim to be valid it must meet the terms of the policy including ‘the definition for the condition outlined in the policy being satisfied’ and ‘any pre-existing conditions exclusion not applying to the member’

Additional information:

  • Furloughed employees, those temporarily working reduced hours or those temporarily on a reduced salary, will continue to be covered for their full benefit entitlement providing their contract of employment is maintained and policy premiums are paid on this basis
  • With all such policies, as the term ‘furloughed’ means ‘to take a leave of temporary absence’, members will still be covered in line with the temporary absence definition of ‘any other reason’, meaning that cover remains in place for up to 3 years