The cover amount decreases each month broadly in line with a repayment loan, such as a mortgage, using a fixed interest rate. The premiums are calculated when you take out the policy and remain the same over the length of the policy term.
Aviva also offers critical illness cover. Our Critical Illness Plan pays out if you are diagnosed with a critical illness that meets our policy definition during the term of the policy and survive for at least 10 days. We only cover the critical illnesses we define in our policy and no others. The policy does not have a cash-in value and does not pay out on death.
You can buy our Critical Illness Plan on it’s own or with our Life Insurance Plan.
It’s up to you to decide which policy is right for your circumstances. However to help you decide compare our policies and see how Aviva’s life cover and critical illness cover products may be able to provide some financial security for you and your loved ones.
What is critical illness cover?
Critical illness cover is an insurance contract. In exchange for regular premiums, the contract offers to pay an agreed lump sum of money if any of the lives covered are diagnosed with a specified critical illness. With critical illness cover in place, it could help you and your loved ones cope financially if you became critically ill. Most critical illness policies do not have a cash in value at any time. Find out more.
It’s easy to think ‘I’d cope, that’ll never happen to me’. But any of us could become ill and a critical illness policy may help to give some financial security at a difficult time.
Some insurers only offer critical illness cover when bought with a life insurance policy. But at Aviva, we recognise you may want the flexibility to buy a separate critical illness policy. With Aviva you can do both – buy critical illness cover on its own or with a life insurance policy.
Aviva’s Critical Illness Plan
Our Critical Illness Plan pays out if you are diagnosed with a critical illness that meets our policy definition during the term of the policy and survive for at least 10 days.
We only cover the critical illnesses we define in our policy and no others.
These conditions include some cancers, heart attack and stroke.
This policy does not have a cash-in value and does not pay out on death. If you stop paying your premiums then your cover will end.
- Pays out an additional lump sum if you are diagnosed with an illness that meets one of our additional critical illness definitions. This won’t affect what we will pay out on a successful claim for critical illness in the future; we still pay the full cover amount.
- Includes children’s benefit which pays out an additional lump sum if any of your children are diagnosed with a children’s critical illness we cover or die during the policy term.
Please make sure you understand what’s covered, what’s not, and the restrictions in our Guide to critical illness cover (PDF 1,285KB). There is important information in this guide so please take the time to read this. You may find this difficult to read if you are on a mobile device so please switch to a larger screen to read this information.
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