Critical illness insurance
- Protect you and your family with a tax-free lump sum upon diagnosis of a critical illness
- Choose your level of cover, starting from £10,000
- Children aged 6 months-18 years automatically covered at no additional cost
- Add your spouse or partner
- Join during the annual window (in September) or within 2 months of starting at NTU
- Payment spread over 12-months
Please refer to the MyBenefits Terms and Conditions.
How and when can I join?
| Colleague type | Enrolment window | When we process your request | Benefit effective date | How to join |
|---|---|---|---|---|
| Annual enrolment (existing colleagues) | Open annually in September | Enrolment window announced in August | 1st October | Complete the benefit selection form by clicking 'Join' on the benefit page |
| New to NTU | Join any time within the first two months of joining NTU |
1st of each month
e.g. we’ll process your benefit selection form on 1st November if we receive it by then, but if you submit a request on 2nd November, we’ll process it on 1st December. |
Your benefit will start from the 1st of the month following enrolment
(e.g. requests received by 1st November will be valid from 1st December with salary deductions commencing from December’s pay). |
Complete the benefit selection form by clicking 'Join' on the benefit page |
How much does critical illness cover cost?
You can buy cover in units of £10,000. The minimum level of cover is £10,000, with a maximum level of 4 x your annual salary (up to a maximum of £500,000). Your partner / spouse can choose cover equal to or less than your cover (up to a maximum of £100,000).
What conditions are covered?
Find out what conditions are covered in the conditions covered document in the Resources section.
How do I make a claim?
Email MyBenefits@ntu.ac.uk as soon as possible in the event of a diagnosis, ideally within 21 days, and we will obtain a claim form on your behalf. The provider, Unum, will not process claims received more than 90 days after the event/diagnosis.
Are my children covered?
All children, including adopted and step-children, aged 6 months to 18 years are covered automatically at no additional cost.
Can I cancel or amend my cover?
Complete and submit an online benefit selection form to cancel or amend your critical illness insurance. Due to the nature of this benefit, cancellation or amendment is only possible if you experience a life event (examples below), or at the end of the policy year during the annual enrolment window in September.
Life events include:
- Birth or adoption of child
- Marriage or civil partnership
- Divorce or dissolution of civil partnership
- Death of spouse, partner, or dependent child
What happens if I leave before the end of the benefit year?
Your cover will remain in place until the last day of the month in which you leave.
You can select either of the following membership types for critical illness cover:
- employee only
- employee and spouse/partner
Cover levels
- You can select an annual level of cover in multiples of £10,000 up to a maximum of 4 x your annual salary (maximum of £500,000).
- You can choose cover for your partner/spouse equal to or less than your cover (up to a maximum of £100,000).