Unite the Union
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Critical Illness Plans

Don’t let a health crisis become a money worry as well

No-one plans to suffer a serious illness - it just happens.

A major health crisis such as cancer or a heart attack affects one in four people in the UK between the ages of 30 and 70. If you were one of them how would you meet the additional expenses – home help, childcare, transport if you can’t drive and home modifications if you become disabled?

A Critical Illness Plan from Protect by Unite the Union pays out a cash lump sum if you suffer from any of the serious conditions covered.

  • Free Critical Illness cover requirement assessment for all Unite the Union members
  • Upto 36 serious illnesses covered including cancer, stroke and heart attack. Conditions must be of certain severity, result in permanent symptoms and certain types of cancer not – please refer to the policy wording for full details of the conditions which are covered.)
  • PLUS optional cover for paralysis or loss of limb following an accident
  • Instant Cover *
  • Peace of mind for you and your family

Terms and conditions apply, we would encourage you to read the Policy Summary before you take out cover.

*subject to policy terms and conditions and acceptance by underwriters

In Sickness and in health

Medical advances mean that more people than ever survive illnesses, such as heart attack or cancer that might have killed earlier generations. A critical illness policy offers a cash lump sum to help you through the lifestyle changes you might need if you suffer one of the conditions covered.

Critical Illness Cover can give you the financial support you need to take time off, to pay for treatment, to make changes to your home, or to have a holiday to get you back on your feet – whatever's best for you.

  • Cover for conditions such as heart attack, coronary artery bypass graft, stroke, Multiple Sclerosis, cancer, kidney failure, liver failure and accidental paralysis or loss of limb as defined in the policy conditions
  • Choose the right level of cover for you
What is not covered
  • You are only covered for the critical illnesses as they are defined in the plan conditions and no others.
  • You are not covered for a pre-existing condition or if one of the covered critical illnesses is caused by a pre-existing condition.
  • If you tell us you are a non-smoker when you apply and we find out from your medical records that you were actually a smoker when you took out the plan, it may invalidate a claim made against the policy.
  • Claims will not be paid if you die within 14 days of your critical illness being diagnosed
  • Please refer to the policy wording for full details of what is and isn’t covered.

For a full explanation of the terms and conditions, please read the Plan Documents carefully.

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