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.”