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Aviva enhances critical illness product

Aviva has added three new critical illness conditions and two new partial payments to its plan, as well as improving its heart attack and children’s cover definitions.

The new full payment conditions are Devic’s disease, which is similar to Multiple Sclerosis, spinal stroke and cardiac arrest, which is payable on suffering a cardiac arrest and undergoing insertion of a defibrillator.

The new partial payment conditions, paying the lower of £20,000 or 20 per cent of the sum assured, include bladder removal and non-malignant Pituitary Adenoma.

The plan now covers 53 conditions, 17 of which are Association of British Insurers plus, which means the definition goes beyond the trade body’s minimum definition requirements.

Aviva has improved its condition for heart attack by lowering the level at which a customer qualifies for payment. It has reduced the qualifying Troponin measurement, the universal method of confirming someone has had a heart attack, from 1 ng/ml to 0.2 ng/ml.

The provider will now pay a children’s death benefit of £5,000, which is payable from when the child hits 30 days old to the age of 18, or 21 if the child is in full-time education.

Aviva claims philosophy manager Andy Doran says: “It is always been our ethos to only add conditions which make a genuine difference to the customer, so we have worked very closely with our claims experts and used our claims experience to enhance our cover.

For example, no provider or adviser wants to be in the position of saying: ‘I know you have had a heart attack, but it is not bad enough’, so we have really concentrated on where we can add most value.”



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There are 3 comments at the moment, we would love to hear your opinion too.

  1. Surely if Aviva really wanted to help the customer you would remove the Troponin measurement requirement entirely so that if the Dr has said you have had a heart attack, you get the pay out. This is a step in the right direction, but build some credibility for the insurance industry for once, these weasily things to get us out of paying claims are the reason customers do not trust insurers.

    Also does the inclusion of more and more CI defnitions such as Devic’s disease that the customer has never heard of nor will likely ever get really add value? Surely you are just creating an arms race within the CI world when if we just looked at what the customer really needs and looked at things like better rehabilitation after a CI claim things would get better.

  2. Devic’s disease? Feels more like devil’s disease. When are these providers gonna realise that customers don’t what 1001 different illnesses that they have never heard of. At least PruProtect are honest and have always advocated partial payments and a long list of illnesses.

    The FCA are now asking providers why they have included extra illnesses that are hardly ever going to pay out.

    On the troponine point, absolutely agree. Aviva clearly do not have the courage of their convictions. If they really believed in focusing on the customer they would remove the measure totally not just lower it.

  3. Here we go again with another insurer trying to complicate the CI definitions even further. Why are these insurer’s trying to play the game of “I have more illnesses than you”. The FCA needs to ask these insurer’s for their evidence that the coverage of these illnesses is truly in the customer’s best interests.
    As a claims professional I have seen one case of Devic’s disease in 20+ years.

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