Claims: Critical Illness 🇬🇧

Everything you need to know about submitting a critical illness claim.

Nina avatar
Written by Nina
Updated over a week ago

How do I submit a claim?

When an employee notifies you that they wish to claim please email us at and we will arrange for AIG to contact you and send you the relevant claim forms.

Who needs to complete and sign the claim forms?

There are two claim forms to be completed.

  • Employer claim form to be completed by the employer and signed by someone on behalf of the employer (normally HR). This will be basic details to enable AIG to confirm that the employee is eligible to claim

  • Employee form to be completed by the employee and/or the member’s spouse/partner if they are the person claiming. This form includes consent for AIG to obtain medical information from the GP and other treating doctors to help assess the claim.

What information should I submit along with the claim forms?

If the employee has copies of any medical reports relating to the critical illness they are claiming for it would be helpful for them to include those with their claim forms. They can be sent directly to AIG if the employee or their partner do not want this information to be seen by the employer..

What happens when AIG receives the claim forms?

AIG will check that the person claiming is eligible and determine what medical evidence they need to request to help them assess the claim. In most cases this will be copies of General Practitioner’s records and any correspondence they hold in relation to their patient.

Where is payment received?

If the claim is accepted the payment will go directly to the employee and will be made electronically by AIG to their nominated bank account.

How long will it take to settle the claim?

Upon receipt of all the required information, a decision will be made within 5 working days and, if the claim is accepted, the payment will follow shortly afterward.

How do I appeal if a claim is declined?

You should send an email to both and outlining the reason for the appeal and attaching any additional information. The claim will be reviewed by an appropriately qualified and experienced assessor at AIG who was not involved in the original claim decision. If the appeal process upholds the original decision contact details of the Financial Ombudsman Service will be provided.

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