Aviva Critical Illness Insurance
Critical illness insurance is designed to provide a lump sum financial benefit if you are diagnosed with a specified critical illness during the policy term.
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Aviva, one of the UK’s largest insurance providers, offers a comprehensive Critical Illness Insurance plan. This guide will help you understand Aviva’s Critical Illness Insurance, outlining the policy, its benefits, and the process of making a claim.
What is Covered?
Aviva’s Critical Illness Insurance provides a lump sum payment if you’re diagnosed with a critical illness covered by the policy during its term. The critical illnesses generally covered include:
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Certain types and stages of cancer
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Heart attack
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Stroke
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Major organ transplant
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Kidney failure
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Alzheimer’s disease
Always refer to your policy documents for a complete list of covered illnesses, as not all types and stages of these conditions may be covered.
Benefits of Aviva’s Critical Illness Insurance
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Lump sum payment: A tax-free lump sum payment is made upon diagnosis of a covered critical illness.
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Children’s cover: Aviva’s policy automatically includes coverage for your children at no extra cost.
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Additional support services: Access to expert medical and emotional support services is provided.
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Flexible policy terms: You can select the length of your policy based on your needs.
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Transparency: Aviva’s policies are designed to be straightforward, with clear terms and conditions.
How to Apply for Coverage
To apply for Aviva’s Critical Illness Insurance, follow these steps:
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Get a quote: Start by obtaining a quote online or over the phone. You’ll need to provide some personal information, including your age, lifestyle habits, and medical history.
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Choose your coverage: Decide the amount of coverage you need and the duration of the policy. The cost of your premium will depend on these factors, as well as your personal circumstances.
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Complete the application: Fill out the application form. Ensure that your responses are honest and accurate as incorrect information could impact a future claim.
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Review and pay: Review your quote, confirm your details, and make your policy payment.
How to Make a Claim
If you need to make a claim, contact Aviva’s claim team as soon as possible. You will be asked to provide:
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Your policy number
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Details about your diagnosis
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Information from your doctor or specialist
After your claim is submitted, Aviva will review the information provided and keep you updated on its progress. If your claim is approved, the lump sum payment will be made to you or your estate if you pass away.
Considerations
Before purchasing Critical Illness Insurance, consider your personal circumstances, financial situation, and health status. It’s advisable to discuss with a financial advisor whether this type of coverage is suitable for you. Note that the policy will not cover all illnesses and will not pay out upon death unless it is due to a covered critical illness within the policy term.
Conclusion
Aviva’s Critical Illness Insurance can provide vital financial support if you are diagnosed with a covered critical illness. It’s essential to understand the policy’s coverage, benefits, and terms before purchasing. Always refer to your policy documentation for full details of what is and isn’t covered.
Disclaimer: This guide is for informational purposes only. It is always recommended to contact Aviva directly or consult with a financial advisor for personalized advice.
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Frequently Asked Questions
Whose Products Do We Sell?
- We offer products from a range of insurers for life insurance and critical illness cover.
- We offer protection products from a limited number of insurers for Whole of Life and Over 50s plans. A list of insurers we offer insurance from is available on request.
- As we’re not tied to any ONE provider we are able to search our panel of insurers and find you the best price available to us.
- We sometimes get preferential rates on selling policies which we pass on to you.
- We are paid a commission by each insurer for setting up your policy – it costs you nothing to use our service.
What Service Do We Offer?
- We are authorised by the FCA to advise our client on their protection needs. Our advisers will assess your demands and needs and recommend a suitable product that will protect you and your family. We get to know our clients and help them to decide on the right cover for the right price from a panel of leading UK insurers.
- We will ask you a number of questions designed to make you think about the shortfall in your income in the event of the death of a partner or breadwinner. Our questions are simple and our advisers avoid jargon making it easy for clients to understand.
How Much Does Our Service Cost?
- NOTHING – We do not charge a fee for our service; however, if you take a policy out through us we will be paid by commission from the insurer, but it still costs you nothing.
- You will receive a quotation which will tell you about any policy premiums relating to any particular insurance policy.
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