Critica Iness Insurance Options Poicy Summary Critica Iness Insurance Options This summary tes you the key things you need to know about our Critica Iness Insurance Options poicy. It doesn t give you the fu terms of the poicy. You can find these in our poicy conditions. In this summary, we assume you re the poicyhoder and ife covered. However, it s possibe to use our Critica Iness Insurance Options poicy to cover the ife of someone ese. When you take out a poicy, we send you a poicy schedue. You shoud read this carefuy because it shows what s incuded on your poicy. If something isn t incuded on your poicy, it may be because you didn t seect it, it wasn t avaiabe for you to seect, or you seected it but we ve excuded it due to underwriting. Critica Iness Insurance Options is provided by Aviva Life & Pensions UK Limited. What is Critica Iness Insurance Options? Critica Iness Insurance Options pays out if you are diagnosed with a critica iness that meets our poicy definition and survive for at east 10 days. We ony cover the critica inesses we define in our poicy and no others. It doesn t pay out if you die. You can use our Critica Iness Insurance Options poicy to cover one person (singe poicy) or two peope (joint poicy). The poicy wi ony pay the cover amount once. So when we ve paid a caim. The poicy wi end. How ong does the poicy ast? The poicy can ast between five and 50 years. The poicy term can be in fu years or unti you reach a specific age. For reviewabe premiums, the poicy has to end before you turn 91 and the minimum term is six years. For guaranteed premiums, the poicy has to end before you turn 76. For tota permanent disabiity or waiver of premium, your poicy has to end before you turn 71. For the renewa option, your poicy has to end before you turn 65. What do I need to do? You must answer a of our appication questions competey, truthfuy and accuratey. If you don t, we may amend or cance your poicy, or we may not pay a caim. You need to te us if any of the information you ve given us changes between competing your appication and us confirming when your poicy wi start. You need to pay a your premiums. You need to reguary review the cover you ve got to make sure it meets your needs. What types of cover can I choose? You can choose from three types of cover: GN03069 02/2014 The poicy has no cash-in vaue at any time. Can I appy for a Critica Iness Insurance Options poicy? You can appy if you re: a permanent resident of the UK., Channe Isands, Ise of Man or Gibratar. aged between 18 and 64. Leve cover The cover is paid as a ump sum and stays the same throughout the poicy term. Decreasing cover The cover amount is paid as a ump sum and decreases each month broady in ine with a repayment oan using a fixed interest rate. The interest rate used is seectabe when you appy. Famiy income cover We pay the cover amount as monthy instaments which stop at the end of your poicy term. for the renewa option aged between 18 and 59 (ony avaiabe with guaranteed premiums). page 1 of 5
Which critica inesses do you cover? We ve isted the conditions our Critica Iness Insurance Options poicy covers. This ist is ony a guide to what s covered. You can find the fu definition of the inesses, and the circumstances in which you can caim, in our poicy conditions. The definitions typicay use medica terms to describe the inesses but, in some cases, they may aso imit the cover. For exampe, some types of cancer are not covered. Aso, for some inesses, you need to have permanent symptoms to make a caim. Azheimer s disease or pre-senie dementia resuting in permanent symptoms Aorta graft surgery for disease or trauma Apastic anaemia Bacteria meningitis Benign brain tumour resuting in permanent symptoms or requiring invasive surgery Benign spina cord tumour Bindness permanent and irreversibe Cancer excuding ess advanced cases Cardiac arrest with insertion of a cardiac defibriator Cardiomyopathy of specified severity Coma with associated permanent symptoms Coronary artery by-pass grafts Creutzfedt-Jakob disease Deafness permanent and irreversibe Devic s disease with persisting cinica symptoms Encephaitis Heart attack Heart vave repacement or repair HIV infection caught in the European Union, Andorra, the Channe Isands, the Faroe Isands, Gibratar, the Ise of Man, Liechtenstein, Norway, Monaco, San Marino, Switzerand, Vatican City, USA, Canada, Austraia or New Zeaand from a bood transfusion, a physica assaut or at work Intensive care requiring mechanica ventiation for 10 consecutive days Kidney faiure requiring permanent diaysis Liver faiure Loss of hand or foot permanent physica severance Loss of speech tota, permanent and irreversibe Major organ transpant from another donor Motor neurone disease resuting in permanent symptoms Mutipe scerosis where there have been symptoms Mutipe system atrophy Paraysis of a imb tota and irreversibe Parkinson s disease resuting in permanent symptoms Pneumonectomy remova of a compete ung Primary pumonary hypertension of specified severity Progressive supranucear pasy Pumonary artery surgery Rheumatoid arthritis of specified severity Severe ung disease of specified severity Spina stroke resuting in permanent symptoms Stroke Structura heart surgery Systemic upus erythematosus of specified severity Termina iness where death is expected within 12 months Third degree burns covering at east 20% of the body s surface area or covering at east 20% of the surface area of the face or head Traumatic brain injury resuting in permanent symptoms Additiona critica iness benefit Our Critica Iness Insurance Options poicy incudes additiona critica iness benefit. If, during the poicy term, you re diagnosed with an iness that meets one of our additiona critica iness definitions and survive for at east 10 days, we pay the foowing: Carcinoma in situ of the breast requiring surgery to remove the tumour Low-grade prostate cancer with specified treatment Arteriovenous maformation (AVM) of the brain with specified treatment Badder remova Carcinoma in situ of the cervix requiring treatment with hysterectomy Carcinoma in situ of the testice requiring surgica remova of one or both testices Cerebra aneurysm with specified treatment Crohn s disease treated with intestina resection Non-maignant pituitary tumour with specified treatment Remova of an eyeba Ucerative coitis treated with tota coectomy The ower of 25,000 or 25% of the cover amount The ower of 20,000 or 20% of the cover amount. page 2 of 5
Each person covered by the poicy can caim for each of these conditions once. Caiming for additiona critica iness benefit won t affect what we pay on a successfu caim for critica iness in the future, we sti pay the fu cover amount. For famiy income cover, we pay 20% or 25% of the monthy cover amount mutipied by the number of months eft on the poicy, up to a maximum of 20,000 or 25,000. Chidren s benefit Critica Iness Insurance Options aso incudes a chidren s benefit which covers a your chidren (natura, step and egay adopted) aged between 30 days and their 18th birthday, or 21st birthday if they re in fu time education. Making a successfu caim for chidren s benefit won t affect your poicy; you sti be abe to caim for critica iness in the future. Chidren s critica iness cover If, during the poicy term, any of your chidren are diagnosed with one of the critica inesses we cover (not incuding termina iness or tota permanent disabiity) and survive for at east 10 days, we pay the ower of 25,000 or 50% of the cover amount. For famiy income cover, we pay 50% of the monthy cover amount mutipied by the number of months eft on the poicy term, up to a maximum of 25,000. We won t pay out for chidren s critica iness if the: critica iness was present at birth (whether diagnosed or not) chid had symptoms of the critica iness before they were covered by the poicy. For more information, pease read the poicy conditions. Chidren s death benefit If any of your chidren die during the poicy term, we pay 5,000. We pay the chidren s death benefit on top of any payment we make for chidren s critica iness. We pay chidren s critica iness benefit and chidren s death benefit once for each chid. What ese is incuded on the poicy? Life change benefit If your circumstances change, our ife change benefit ets you increase your cover by taking out a new poicy without answering any further medica questions. This benefit is ony avaiabe if we accept your poicy on our standard terms. Your poicy schedue wi confirm if it s incuded. You can use this benefit for the foowing important ife changes: Getting married or entering into a civi partnership. Divorce, dissoution of civi partnership or separation. Becoming a parent. A mortgage increase due to a house move, purchase or major home improvements. A saary increase foowing a promotion or change of empoyer. You can increase your cover amount to the ower of: 200,000 for eve and decreasing cover the equivaent of 8,000 a year for famiy income cover the origina amount of cover you had at the start of your poicy. There are some imits on using the ife change benefit. For fu detais, pease read the poicy conditions. Separation benefit This benefit is ony avaiabe if we accept your poicy on our standard terms. Your poicy schedue wi confirm if it s incuded. You can spit a joint poicy into two singe poicies if you separate or rearrange your mortgage into one name. The cover amount on each new poicy can be up to the current cover amount on your origina poicy when you use the benefit. You won t need to answer any medica questions. You need to provide evidence of the separation/change in mortgage. For more information, pease read the poicy conditions. What other benefits can I choose? Depending on the type of cover you choose, you may be abe to add the foowing options to your poicy: Waiver of premium If you choose waiver of premium, we pay your premiums if you can t work because you re i or injured. To take it out, you must be empoyed. However, if you become unempoyed or decide to become a houseperson after you ve taken it out, you wi sti be abe to caim. If you have a joint poicy, you can add waiver of premium for one or both peope covered. We appy a deferred period before we start paying your premiums foowing a successfu caim. You can choose your deferred period at the start of your poicy. This can either be one, three or six months. When the deferred period ends, we start paying your premiums if you can t work. Or, if you re unempoyed or a houseperson, we start paying if you can t perform at east two work tasks. You can find more information on work tasks in the poicy conditions. page 3 of 5
We stop paying your premiums when one of the foowing happens: We confirm which assessment criteria we use in your poicy schedue. Your poicy ends. You go back to work. You are no onger i or injured. You can find more information on work tasks in the poicy conditions. Premiums Increasing cover If you have eve cover or famiy income cover, you can choose to automaticay increase your cover amount each year without answering any further medica questions. Index-inked increasing cover Avaiabe with eve cover. Your cover amount wi increase each year in ine with the change in the Retai Prices Index (RPI) up to a maximum of 10%. Your premiums wi increase in ine with your cover amount. Fixed increasing cover Avaiabe with eve cover and famiy income cover. For eve cover you can choose to increase your cover amount by 3 or 5%. Your premiums wi increase in ine with your new cover amount. For famiy income cover you can choose to increase your cover amount by 3 or 5%. Your premiums wi stay the same. If you make a successfu caim, we continue to increase your monthy instaments each year unti the end of your seected term. For both options on eve cover, you can choose not to increase your cover if you don t want to pay higher premiums. If you do this, your cover amount, and your premiums, wi stay the same. We reinstate the increasing cover option the foowing year. If you decide against the increase three times in a row, we remove the option from your poicy. Renewa option Avaiabe with eve cover. You can renew your cover at the end of the poicy term without having to answer any medica questions. This option isn t avaiabe with reviewabe premiums or the increasing cover option. The renewa option is ony avaiabe if we accept your poicy at standard terms. Tota permanent disabiity Tota permanent disabiity pays out the fu cover amount if you have an iness or injury that means you re unabe to: do your own occupation ever again; or Your premiums can either be guaranteed or reviewabe. Guaranteed premiums wi stay the same throughout the poicy term uness you change your poicy, or choose increasing cover. If you choose reviewabe cover, it s ikey your premiums wi change during the course of the poicy. We review your premiums every five years to determine if you re paying the right amount for your cover. If foowing the review your premium needs to change, we assess the change fairy. We won t ook at your persona circumstances for exampe, age, heath and ifestye. We wi consider the foowing factors when reviewing your cover: The impact of medica advances and trends which may affect our expectation of future caims. Industry deveopments and caims experience. Changes to egisation, taxation and reguation. The amount, timing and cost of current and future caims. Foowing a review your premiums may increase or decrease. There are no imits on how much your premium can change by. We write to you to et you know the outcome of our review at east 30 days before your anniversary date. Foowing a review: If the change is ess than 2% or 50p, your premium wi stay the same. If your premium goes down, we automaticay change your Direct Debit. If your premium goes up, you have two options: You can pay the increased premium. We automaticay change your Direct Debit. You can keep your premium the same and reduce your cover amount. If you want to do this, you need to et us know. If you don t, we increase your premium. Can I make changes to my poicy? You can remove the optiona benefits and increase or decrease the amount of cover you have. If you do, we may change or repace your origina poicy. Or, we may issue a new poicy. You may need to give us some medica information. For more information, pease read the poicy conditions. perform three or more specific work reated tasks ever again. page 4 of 5
When won t the poicy pay out? The poicy won t pay out if: you die you re diagnosed with an iness which isn t defined in our poicy Emai us on protection@aviva.co.uk Write to us at Aviva, PO Box 520, Norwich, NR1 3WG. your poicy ends because you haven t paid your premiums you cance your poicy you haven t answered a the questions on the appication competey, truthfuy, and accuratey you re diagnosed with a critica iness outside of the poicy term. What if I want to compain? You can: Ca us on 0800 2851 098. From outside the UK, the number is +44 1603 202 500. Lines are open Mon to Fri 8:30am 5:30pm and Saturday 8:30am 2:00pm. Emai us on protection@aviva.co.uk How to make a caim Ca our caims department on 0800 2851 098. From outside the UK, the number is +44 1603 202 500. Lines are open Mon to Fri 8:30am 5:30pm. What about tax? In the UK, the payments we make are free from income and capita gains tax. If you ive in Gibratar, we have to te you that no tax reief is aowabe on premiums. Normay no tax is payabe on the payments we make. Wherever you ive, we d aways recommend that you get independent financia advice. This is because your individua circumstances can affect your tax position. Pease remember that tax rues may change in the future. Can I change my mind? Starting from the date you get your poicy schedue, or the day we confirm when your cover wi start (whichever is the ater), you get 30 days to change your mind. If you cance within this period, we refund any premiums you ve paid. If you want to cance the poicy after 30 days you can, but you won t get any money back. How do I contact you about my poicy? If you have one, your financia adviser wi usuay be your first point of contact. If you haven t, you can get in touch with us: Ca us on 0800 2851 098. From outside the UK, the number is +44 1603 202 500. Lines are open Mon to Fri 8:30am 5:30pm and Saturday 8:30am 2:00pm. Write to us at Aviva Customer Reations, PO Box 3182, Norwich, NR1 3XE. If you re not satisfied with the way we ve deat with your compaint, you can contact the Financia Ombudsman. Ca them on 0300 1239 123 or 0800 023 4567. Emai them on compaint.info@financia-ombudsman.org.uk Write to them at Financia Ombudsman Service, Exchange Tower, London, E14 9SR. This won t affect your ega rights. Law We write your contract in Engish and the aw of Engand wi appy in any ega dispute. We aways write and speak to you in Engish. Compensation Our Critica Iness Insurance Options poicy is covered by the Financia Services Compensation Scheme. If we become insovent and we can t meet our obigations under this poicy, the scheme may cover you for 100% of any successfu caim you make. For more information on this scheme, pease visit www.fscs.org.uk or ca 0207 741 4100. Aviva Life & Pensions UK Limited. Registered in Engand No. 3253947. 2 Rougier Street, York, YO90 1UU. Authorised by the Prudentia Reguation Authority and reguated by the Financia Conduct Authority and the Prudentia Reguation Authority. Firm Reference Number 185896. Member of the Association of British Insurers. aviva.co.uk page 5 of 5 AL09001 07/2015 (b) Aviva pc