Aviva has enhanced its critical illness definitions for strokes and multiple sclerosis, two of the top five most-claimed for CI conditions.
Under the new definitions, effective from today on all new policies, MS patients are no longer required to present continuous symptoms for three months. Instead they only require a definite diagnosis with current symptoms.
Stroke patients will no longer need to have permanent symptoms to receive a pay out on their claims.
Aviva has added four other CI benefits, with customers receiving a payment of up to £20,000 on diagnosis of a carcinoma in situ of the cervix requiring treatment with hysterectomy, carcinoma in situ of the testicle requiring surgical removal of one or both testicles, arteriovenous malformation of the brain with specified treatment or cerebral aneurysm with specified treatment.
The insurer says it has added these benefits because each of the above conditions can lead to one of the top five critical illnesses – cancer, heart attack, stroke, MS and benign brain tumour.
Aviva has also removed its 18-month terminal illness restriction, which meant customers were unable to claim if they were diagnosed with a terminal condition within the last 18 months of their plan. This restriction will no longer apply to new policies.
Aviva chief underwriter Robert Morrison says: “We are continually looking for ways to improve our cover in a way that will make a difference to our customers. It is our business to pay claims, so our latest enhancements have been developed to make sure more customers will receive a payment when they need it most.
“93 per cent of our CI claims are made up of just the top five conditions, so by concentration our enhancements around these, we can hope to make a difference to the largest number of people possible.”