Critical illness cover

Offers quality cover, insuring the equivalent of over 45 conditions. It includes the main conditions that you’re likely to claim for, including cancer, heart attack and stroke – which made up 84% of AIG Life’s critical illness claims in 2022¹.

• Group one conditions – the full sum assured will be paid out
• Group two conditions – an additional payment of 25% of the sum assured or £25,000, whichever is lowest will be paid

Affordable protection for kids (3 in 4 child CI claims in 2022 were covered by Core conditions*). Includes the equivalent of 49+ conditions, hospitalisation benefit and child life cover.

Core children's cover is split into four types of benefit:

• Group one conditions – £25,000 or 50% of the sum assured, whichever is lower, will be paid out
• Group two conditions – £25,000 or 25% of the sum assured, whichever is lower, will be paid out
• Child life cover – £5,000 will be paid out
• Hospitalisation benefit – £100 per night from the seventh consecutive night, up to a maximum of 30 nights

If a parent has more than one cover, this is the maximum we'll pay for each child. If each parent has their own cover, we'll pay a claim on each parent's cover.

We'll pay one claim under each Group per child, at which point the children's critical illness cover ends for that child.

Our broadest cover ever, with all the bells and whistles. As well as everything in Core, there’s added cover for the equivalent of over 50 conditions, plus pregnancy cover. All with higher payouts.

• Group one conditions – the full sum assured will be paid out
• Group two conditions – an additional payment of £35,000 or the full sum assured, whichever is lowest, will be paid
• Pregnancy cover – an additional payment of £5,000 per pregnancy for one of the specified conditions and £5,000 for foetal death in utero

All the bells and whistles. This covers the equivalent of over 75 conditions including cover for physical birth defects – the first of its kind. Enhanced children's cover is split into five types of benefit:

• Group one conditions – £50,000 or 50% of the sum assured, whichever is lower, will be paid out
• Group two conditions –£25,000 or 25% of the sum assured, whichever is lower, will be paid out
• Child life cover – £10,000 will be paid out
• Birth defect cover – £5,000 will be paid out
• Hospitalisation benefit – £100 per night from the seventh consecutive night, up to a maximum of 30 nights

If a parent has more than one cover, this is the maximum we'll pay for each child. If each parent has their own cover, we'll pay a claim on each parent's cover.

We'll pay one claim under each group per child, at which point the children's critical illness cover ends for that child.

• The full sum assured is paid if the person covered is incapacitated and meets their applicable TPD definition.

• Premiums can be waived if the person covered is incapacitated for longer than 26 weeks.