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Aviva overhauls critical illness cover


Aviva has improved its critical illness cover. It has increased the maximum sum insured to £2 million, extended the period for which policies are available and widened the definitions covered.


The improvements include: 

  • Increased maximum sum assured from £500,000 to £2m

  • Increased maximum term assured from 25 to 40 years

  • Increased maximum age assured to 75 years

  • Increased number of conditions covered

  • Improved definitions of existing conditions

  • Removal of unnecessary exclusions

  • Increased scope and doubling the level of free child cover from £10,000 to £20,000


Michael Whyte for Aviva says, “Critical illness protection helps financially support families during some of the most difficult times they can experience. The changes will increase consumer confidence by reducing complexity and making the cover more comprehensive. There has been a move in the market to increase the number of conditions covered to make policies appear more attractive, but the problem is that this lures customers to compare policies solely on the number of conditions covered. We will not add conditions unless they increase the scope of cover.”


The insurer no longer offers stand-alone critical illness policies, only critical illness cover within term assurance and mortgage life insurance plans.


Critical illness: News update: 10 October 2009


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