Prévoyance en entreprise
Maladies graves collectif
Un capital exonéré d'impôt au diagnostic de l'une des affections listées, versé sur le diagnostic et non sur l'incapacité, afin que l'argent arrive pendant que les décisions se prennent encore.
Centre-ville de Dublin
À qui il s'adresse
Employeurs ajoutant une prestation au diagnostic à un régime collectif
Ce qu'il fait
- Listes d'affections de base et étendue
- Garantie enfants incluse d'office
- Service de deuxième avis médical pour les assurés et leurs familles
- La garantie se poursuit pendant les congés de maternité et de paternité
Le produit en détail
Group critical illness pays on diagnosis, not on incapacity. That single distinction is what it is for. An employee diagnosed with cancer may still be working, may intend to keep working, and may need money immediately — for travel to treatment, for a partner to reduce their hours, for adaptations at home. Income protection pays when they stop working. This pays when they are told.
Cover comes on a core list of twelve conditions or an extended list of more than forty. The core list covers the conditions that account for the overwhelmajority of claims; the extended list adds a long tail of rarer diagnoses. The honest way to present the choice is that the extended list changes the claims experience of a small number of members considerably and the scheme’s total claims experience only a little.
Children’s cover is included as standard rather than offered as an option, because a diagnosis in a member’s child is one of the situations in which an employer’s benefit package matters most. Cover also continues during maternity and paternity leave, which sounds administrative and is the sort of gap that otherwise produces a declined claim at the worst possible time.
A second medical opinion service is available to members and their families. It is used far more often than the benefit is claimed, and it is frequently the most valuable part of the policy to the person using it.
Documentation
La documentation produit est remise aux intermédiaires accrédités. Demandez-la à votre souscripteur, ou demandez-la via le formulaire de demande.
- Conditions du contratSur demande
- Définitions des affections garantiesSur demande
- Formulaire de déclaration de sinistreSur demande
Comment cela fonctionne
Ce qui se passe, dans l'ordre
De la première demande jusqu'à la mise en place de la garantie, du contrat ou de la ligne.
The condition list and the benefit are chosen
Core list of twelve, or extended list of more than forty. Benefit typically one to three times salary.
The scheme is rated on its own data
Age and gender profile, occupations and membership size, with a two-year rate guarantee.
Members are covered, children included
Children’s cover is standard, and cover continues through maternity and paternity leave.
A claim is made on diagnosis
Against the condition definitions in the policy, which are what a claim is actually assessed on. They are published, and they repay reading before a scheme is placed.
The lump sum is paid, and the support services remain
Including the second medical opinion service for the member and their family.
Les chiffres
Un exemple chiffré
Des calculs donnés à titre indicatif, pour que la structure du produit se voie plutôt qu'elle se décrive. Rien ici n'est une offre ni une projection.
A 200-member scheme at twice salary
Illustrative figures, comparing the two condition lists on the same membership.
- Affiliés
- 200
- Total annual payroll
- £8,600,000
- Benefit basis
- 2× salary
- Total sum assured
- £17,200,000
- Illustrative premium, core list of 12
- £51,600 a year
- Illustrative premium, extended list of 40+
- £68,800 a year
- DifferenceAbout £86 per member
- £17,200 a year
- Garantie enfants
- Included on both
- Garantie de taux
- 2 years
Illustrative and not a quotation. What a claim pays depends on the condition definitions in the policy rather than on the diagnosis alone, which is why the definitions document is part of the quotation pack rather than an appendix to it.
Core list against extended list
Illustrative annual premium for the 200-member scheme above.
Voir ces chiffres sous forme de tableau
| Valeur | |
|---|---|
| Core list of 12 | £51.6k |
| Extended list of 40+ | £68.8k |
Adéquation
Où Maladies graves collectif trouve sa place
Les cas auxquels il répond, ceux auxquels il ne répond pas, et ce qu'un souscripteur demande avant de tarifer.
C'est la bonne réponse lorsque
- Employers adding a diagnosis benefit alongside life or income protection cover.
- Workforces who would value a second medical opinion service.
- Employers who want children’s cover included without arranging it separately.
Il faut regarder ailleurs lorsque
- Replacing income during absence — that is Group Income Protection, and the two pay at different moments.
- Cover for death only, which Group Life Insurance does more cheaply.
Ce qu'il nous faut pour tarifer
- 1.The scheme data template and the benefit basis.
- 2.The condition list required — core or extended.
- 3.Claims history, if the scheme is transferring from another insurer.
Questions
Ce que les courtiers nous demandent sur ce produit
Does a diagnosis always mean a claim?
No. Claims are assessed against the policy’s condition definitions, which specify severity and staging. That is why the definitions document should be read when the scheme is placed rather than when a claim is made.
What does children’s cover pay?
A benefit on the diagnosis of a listed condition in a member’s child, on the terms set out in the policy. It is included as standard on both condition lists.
Can a member claim on both this and income protection?
They are separate policies answering separate events — a diagnosis and an incapacity. Where both apply, both are assessed on their own terms.
Demander des informations
Interrogez-nous sur Maladies graves collectif
Le formulaire parvient à un souscripteur à Dublin. Si vous êtes intermédiaire, dites-le et nous l'orienterons vers le bureau courtiers.