Coming into effect on new policies from 10 December 2013, the changes focus on some of the top five reasons for claims. Stroke and multiple sclerosis (MS) are the most common conditions claimed for.
Additional coverage added to CI includes for specific cancers and brain conditions. The life insurer has extended the number of conditions covered to 57, including 11 additional benefits.
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Under the new CI cover, customers diagnosed with MS will just need a definite diagnosis with current symptoms, instead of continuous symptoms for three months. The customers will also receive a payment of up to £20,000 if they are diagnosed.
Aviva has also extended the scope of its terminal illness benefit which is paid to life insurance customers if they are diagnosed with a terminal illness and expected to live less than 12 months.
Earlier, customers were unable to claim under this benefit if they were diagnosed within the last 18 months of their plan, but this exclusion has now been removed on new policies.
Aviva chief underwriter, Robert Morrison, said: "It’s our business to pay claims, so our latest enhancements have been developed to make sure that more customers will receive a payment at a time when they need it most.
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By GlobalData"93% of our CI claims are made up of just five conditions – cancer, heart attack, stroke, MS and benign brain tumour – so by concentrating our enhancements around these core illnesses, we can hope to make a difference to the largest number of people possible."
