Aviva has made improvements to both its Core and Upgraded critical illness plans. Â
The ABI will shortly issue amended model wordings for Cancer, Dementia and Heart Attack and Aviva is the first insurer to make the relevant changes.
The main changes relate to the cancer definition. Less advanced prostate cancer was excluded c.2002 but is now included if treated by prostatectomy.Â
Therefore it has been removed from the Less Advanced Cancer of the Prostate definition. This will result in an increase to future cancer claims.
The Upgraded version enjoys an increase to the maximum ‘additional payment condition’ sum from £25,000 to £30,000.Â
Additionally, the life change and separation benefits timeframe is extended from 90 to 180 days from the event date.Â
For children’s cover the definition of partner has been extended to include somebody who has lived with the child for at least two years and surrogacy is now included.Â
DigiCare, the added benefits package, has been enhanced by a cancer care programme in conjunction with MacMillan Cancer Support.
Alan Lakey, director of CIExpert, said: “As always, we champion insurers that add conditions or extend wordings which will result in more claims or higher sums being paid. Â
“Aviva, which pioneered the twin plan approach, has been at the forefront of CIC innovation and these improvements have improved its position within the CIExpert quality tables.
