Group Critical Illness Cover

Financial protection when it matters most

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Serious illnesses can strike anyone, at any time. Group Critical Illness Cover provides financial support when your employees need it most—offering a tax-free lump sum if they’re diagnosed with a covered condition such as cancer, heart attack, stroke, or multiple sclerosis.

Having this safety net in place can make a life-changing difference, helping employees and their families focus on recovery rather than financial stress. Most policies pay out within a month of diagnosis, ensuring prompt assistance at a critical time. The benefit is paid directly to the employee, giving them complete flexibility to use the funds however they choose—whether for treatment costs, lifestyle adjustments, or family care.

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Benefits for Your Business

Offering Group Critical Illness Cover demonstrates genuine duty of care and reinforces your commitment to employee wellbeing. It also helps to:

  • Strengthen employee engagement and trust
  • Boost productivity through improved peace of mind
  • Support retention and attract top talent in a competitive market

Benefits for Your People

  • Provides peace of mind, knowing they’ll receive financial support if diagnosed with a serious illness
  • Ensures a tax-free lump sum, paid directly to the employee once a claim is approved
  • Many plans include added-value wellbeing services, such as Employee Assistance Programmes or health apps, offering guidance and emotional support—and, where appropriate, assistance with returning to work

Expert Guidance and Support

Whether you’re exploring Group Critical Illness Cover for the first time or reviewing your existing program, our experienced consultants are here to help. We provide independent, tailored advice to ensure your policy aligns with both your business goals and your people’s needs. At Howden, we’re by your side every step of the way—helping you protect what matters most.

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