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Life and Critical illness protection
Combined

Life and Critical illness protection

Reasons to recommend

  • Crystal clear definitions
  • Covers kept separate with our dual life approach
  • All-round affordable cover
  • Premium Waiver included as standard
  • Immediate Cover
  • Optional children’s critical illness cover
  • Cover upgrade promise
  • Lifestyle promise
  • HALO claims service
  • Guardian Anytime
FULL PAYOUT CONDITIONS

If your client is diagnosed with one of the following illnesses or conditions, we’ll pay 100% of the amount of cover specified on their cover summary.

ADDITIONAL PAYOUT CONDITIONS

If your client is diagnosed with one of the following illnesses or conditions, we’ll pay an additional amount.

We’ll pay 25% of the amount they’re covered for up to a maximum of £50,000. The exception being for low-risk non-melanoma skin cancer which pays 10% of the amount they’re covered for, up to a maximum of £50,000.

Additional payouts are payable more than once, but not for the same condition, with the exception of carcinoma in situ which can be claimed multiple times so long as the site of each carcinoma in situ is different. The amount covered (on your client’s cover summary) would remain intact should they need it in the future for a further claim.

SURGERY COVER

If on the advice of a UK Consultant your client is waiting to have one of the surgeries listed below, we’ll pay an amount in advance. We’ll pay 25% of the amount they’re covered for or £50,000, whichever is less. The amount covered (on the cover summary) will be reduced by the amount we’ve paid in advance of the surgery.

 

Surgeries covered:
  • Aorta graft surgery.
  • Coronary artery bypass grafts.
  • Heart valve replacement or repair.
  • Insertion of a defibrillator following a cardiac arrest.
  • Pneumonectomy.
  • Pulmonary artery surgery.
  • Structural heart surgery.
  • Total colectomy.