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Critical Illness Insurance can be taken out for selected staff or for all staff as an employment benefit policy. The policy pays a lump sum benefit if a person is diagnosed with one of the defined illnesses. Illnesses differ according to type of policy but usually include Cancers, Kidney failure and Liver failure among others.
This group policy has lower rates and usually has easier enrolment requirements. Critical Illness funds can be used for any purpose including specialist or alternative medical treatment, or to make lifestyle and diet change
• What is the age profile and composition of the staff or the selected group? Some groups and ages are more susceptible to certain illnesses.
• Does the company have adequate medical cover or financial stability which can assist an employee should they have a critical illness?
• What will be the waiting periods and whether pre-existing conditions are covered?
• What is the standard of health care that you want employees to access should they have a critical illness
