Understanding critical illness cover

A lot of us think we'll never be diagnosed with a critical illness but in reality it could happen to anyone.

How would you and your family cope financially if you became ill? Whether it's paying for treatment or helping to cover your salary while you get better, our Critical Illness Plan could make a big difference if you're diagnosed with a life changing illness.

We cover over 50 conditions including nearly all types of cancer, as well as heart attacks and strokes.

We offer different types of cover - level cover and decreasing cover.

With level cover, what you pay each month stays the same for the whole term of the policy, and so does the cover amount. And if you'd prefer your cover amount to rise with the cost of living, you can choose to protect it against the effects of inflation, which means that what you pay will also increase over time.

Decreasing cover works like a repayment loan, with a fixed interest rate. So, the value of your cover decreases gradually, but the amount you pay stays the same.

Our Critical Illness Plan also includes children's cover, so the whole family can stay protected.

Your cover can last between 5 and 50 years, or up until your 75th birthday.

When it comes to how much cover you'll need, everyone's different.

How much would you need to cover your monthly outgoings? Think about everyday costs like household bills and childcare. Or, how would you pay for any unexpected treatment costs. So that you and your family were able to live life as normally as possible.

Even a small amount of critical illness cover could allow you to take the time you need to recover or take a well deserved holiday.

At Aviva, our cover is designed with you in mind, with flexible cover length, children's cover and lump-sum pay-outs.

We're here when you need us most.