Effective from 7 July 2013, Aviva’s critical illness cover will include three new conditions, extending the scope of three of the five most claimed for conditions: multiple sclerosis, stroke and heart attack. Two of the new conditions, Devic’s disease and spinal stroke, will be brand new to the UK critical illness market.
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Aviva has also extended cover by adding two new additional benefits: bladder removal and non-malignant pituitary tumor. This takes the number of additional benefits covered to seven. Like all of Aviva’s additional benefits, all the above benefits will receive a payment of up to £20,000, while the policy continues in force and the main sum assured remains unaffected.
According to Aviva, the new critical illness policies will also extend cover to the children of policyholders to provide a lump sum death benefit of £5,000. This is in addition to child CI benefit of up to £25,000 and will be paid on top of any payouts made for child critical illness. These additional benefits are designed so the family can use the financial support as they choose, such as taking time off work.
Aviva claims philosophy manager, Andy Doran, said: "It’s always been our ethos to only add conditions which make a genuine difference to the customer, so we’ve worked very closely with our claims experts and used our claims experience to enhance our cover.
"Ninety-three per cent of our critical illness claims are made up from just five conditions – cancer, heart attack, stroke, multiple sclerosis and benign brain tumor – so we’ve focused our improvements around these. In doing so we’re adding conditions which will help us pay more claims, so we can make a difference to more people’s lives," Doran added.
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