Major changes to Aviva critical illness cover

Aviva have made some changes to their critical illness insurance which will benefit customers who take out the policies. The new changes will see the maximum cover for a policyholders children increase, and there are new conditions added to the cover as well.

Aviva are one of the largest insurance providers in the UK, and have millions of customers. The new changes look set to increase the number of different conditions for which customers are able to make claims, which will increase the number of payouts in total.

Most critical illness insurance policies are sold to customers who take out life insurance, and provide customers with a lump sum insurance payout if they are diagnosed with a critical illness. The company already pay out 94.1% of critical illness claims, which is the highest percentage in the industry.

Aviva seem to have taken on board feedback from customers throughout the UK, who feel that insurance companies don’t want to pay out claims.

The new conditions added include significant visual impairment, removal of an eyeball and Crohn’s disease, when its treated with intestinal resection.

The company have also changed the terms and conditions of five different conditions as well, for the better for customers. Alzheimer’s disease, Parkinson’s disease, Major Organ Transplant, Motor Neuron Disease and Cancer will now payout maximum cover payments.

Each of the five illnesses above are classed as enhanced conditions, which mean customer making a claim will still have cover in place and may be able to claim again, unlike other illnesses.

Each child is covered to up to £25,000 for each policy, which won’t stop the policy so other claims can be made.

Chief underwriter for Aviva, Robert Morrison, explained, “Our critical illness cover has evolved over time, to make sure we are helping as many people as possible.

“We’re determined that we only add conditions which increase breadth of cover and provide greater clarity for customers. We know exactly which conditions account for the largest number of claims, so we’ve taken great care to make changes where customers will benefit most.”

Aviva have also added online claims. You can apply for life insurance and critical illness insurance here at life insurance quotes and compare life and critical illness insurance quotes using our quote engine.

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