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Avenue, Critical Illness Insurance

International critical illness cover
Avenue is critical illness international insurance that we’ve built to protect your employees in the unfortunate event of a serious condition.
Avenue Video.

We know, no one wants to think about serious illness – but knowing that they are covered will provide your employees and their families relief in difficult times, while helping you enhance your employee benefit package by offering critical illness insurance. 
 
Looking for Avenue for individuals? Check out our Avenue cover for individuals here.
Avenue covers treatment for 12 types of medical cases of which three are specific for children.
* Critical illness Cover is subject to the terms and conditions, exclusions, benefit limits and area of cover of the policy. Please refer to the Benefit Guide and Table of Benefits for further information.
  • Bone marrow transplant
  • Cancer (includes all solid organ cancers, lymphomas and leukemia)
  • Neurosurgery
  • Severe epilepsy
  • Heart valve replacement or repair (for children, only when it’s needed as a result of rheumatoid fever)

  • Coronary artery angioplasty/stenting
  • Coronary bypass surgery
  • Living organ transplant
  • Major vascular surgery (including aortic surgery)

  • Artificial limbs needed after a limb loss in an accident
  • Kawasaki Syndrome
  • Meningitis/encephalitis

required to treat an eligible medical case
through the entire treatment, via our own Medical Team and specialized hospitals
 

Our medical case management includes:

  • Administration and payment services (Direct liaison with the chosen hospital, to organise direct payment of medical bill)
  • Medical appointment booking
  • Periodical calls with your employee, to check on the progress of their treatment
  • Concierge services for overseas treatment (including escort service and translation support)
  • Travel and accommodation booking and more

for the patient and their family to cope with the emotional challenges of critical medical care 
where required to confirm the initial diagnosis
through our Avenue network of specialised hospitals
advisory services at all stages of the medical treatment 
With Avenue, your employees will  have the assurance that if something serious happens to them, they will be treated at hospitals and medical centres that specialise in their medical case.
  Australia 
  Austria
  Belgium
  Canada

  France 
  Germany
   Hong Kong
  India

  Japan 
  Kenya
  Singapore
  South Africa

 South Korea
 Switzerland
 Taiwan
 Thailand

 Netherlands
  Dubai
 United Kingdom
 USA

  • Cover for both overseas and in-country treatment, or 
  • Cover for overseas treatment only

By in-country we mean treatment in your employees’ principal country of residence (and/or their home country, if that is different from their principal country of residence).

  • Accessing medical case management service and treatment benefits or
  • A lump sum payment
The scheme will be subject to underwriting. This means that your employees will need to complete this application form and respond to medical questions on their health status. We will consider their responses to confirm the cover we can offer. 
Underwriting will not apply at group inception. Pre-existing medical conditions are not covered. To apply, simply contact our sales team.


To find out more about our Avenue plans including terms and conditions, exclusions, benefit limits, and area of cover, see our brochures.
With the most common serious medical cases covered, you know that if something happens, we will be there to take care of your employees.