Aviva Critical Illness Life Insurance

Aviva's commitment to reliability and customer care ensures that you have the necessary support when it matters most. Let us see how Aviva Critical Illness policy can offer peace of mind and financial security, so you can focus on speedy recovery.

Why Get Aviva Critical Illness Cover?

The current statistics of critical illnesses in the UK are as follows:

• Approximately 1.4 million people in the UK have survived a heart attack.

• There are 1.3 million stroke survivors in the UK.

• Half of the population will develop some form of cancer during their lifetime.

The most common claims registered with Aviva Life are for cancer, heart attacks, strokes, multiple sclerosis, and Parkinson's disease. However, the Aviva critical illness list extends to 52 different conditions, offering comprehensive protection.

Note: Check all the best term insurance plan in India.

What are the Benefits of Buying the Aviva Critical Illness Policy?

The Benefits of Aviva Life and critical illness cover are as follows:

• Reliable Payouts: Aviva Life Insurance Company is a trusted provider, having paid out £345 million in critical illness claims in 2023. This track record ensures you can count on financial support when you need it most.

• Exclusive Benefits and Discounts: With the Aviva DigiCare+ smartphone app, you get access to a therapist, nutritionist, and health checker at no extra cost, helping you and your family maintain good health and well-being.

• Combine Policies for Comprehensive Coverage: You can purchase Aviva life and critical illness cover simultaneously. Since the policies are separate, both could pay out, providing enhanced financial protection for you and your loved ones, similar to term life insurance plans.

How Does Aviva Critical Illness Cover Work?

When you pay monthly premiums for the policy term, the Aviva Life critical illness cover stands ready to pay out the cover amount if you are diagnosed with one of the 52 conditions listed in the policy. The Aviva critical illness policy also offers you children's benefits, covering your children at no extra costs.

How Much Aviva Critical Illness Cover Do You Need?

The amount of Aviva Life critical illness cover you need depends on factors like what you want to protect, how much you can pay monthly, and the policy duration. Aviva critical illness policy typically costs less than £19 a month, based on data from September 2022 to September 2023. Your specific Aviva life insurance quote will be customized based on the policy length, coverage amount, and your medical history.

How do you Choose the Right Type of Aviva Critical Illness Cover?

Similar to choosing the suitable Aviva Life income protection policy, choosing the right Aviva critical illness policy type depends on what you want to protect and how much you can afford each month. Here are your options:

1. Level Cover

   • You choose a fixed amount of cover for a set period. Both the cover amount and your monthly premiums stay the same throughout the policy term.

   • Maintaining your family's living standards and covering expenses such as your salary, health costs, rent, mortgage payments, and children's school fees.

   • Provides a consistent payout amount, which can help manage various financial needs.

2. Decreasing Cover

   • The cover amount decreases over time, often in line with your mortgage or other debts. Your monthly payments stay the same unless you change your policy.

   • Paying off debts like a mortgage if you're diagnosed with a covered illness while the policy is active.

   • Generally cheaper than level cover since the payout amount reduces as your debts decrease.

3. Protecting Your Cover from Inflation

   • You can opt to increase your cover amount in line with inflation, ensuring the payout remains valuable over time.

   • With this option, your monthly premiums may rise, with a maximum annual increase of 15% for your premiums and 10% on your cover amount.

How Can I Get an Aviva Life Insurance Quote?

Here is how you can get an Aviva life insurance quote from the company:

1. Quick and Easy

   Online: Get a quote in 5 minutes on the Aviva life insurance page.

   Call on: 0800 068 5549 (Monday to Friday, 8:00 AM- 6:00 PM)

2. Information Needed

   • Date of birth

   • Smoking status

   • Coverage amount

   • Coverage duration

   Calls are free from UK landlines and mobiles.

What Does the Aviva Critical Illness Policy Cover?

1. Covered in the Policy

   • Tax-free cash if you survive more than ten days after being diagnosed with any of the 52 listed critical illnesses.

   • Policies last between 5 and 50 years, up to age 75.

   • Up to £25,000 or 50% of your cover amount for children diagnosed with critical illnesses, valid from 30 days old to their 18th birthday (or 21st if in full-time education).

   • If you separate from your partner, you can split into two single policies without new health and lifestyle questions.

   • Cover up to £1 Million provides substantial financial support.

   • Claims for some additional critical illnesses won’t end the policy.

2. Not Covered in the Policy

   • Coverage is only active during the policy term.

   • Must survive at least 10 days post-diagnosis.

   • Policy ends, and no payout. For joint policies, the surviving policyholder remains covered.

   • Coverage stops if premiums aren't paid. No cash-in value.

   • Only covers listed conditions.

   • Policy ends after a successful claim, except for children’s or additional critical illness claims.