Group Cancer Cover


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Please note: Group Cancer Cover is provided and underwritten by Friends Life Ltd, part of the Aviva Group. The following information is for employers only and not for use with employees. This information relates to policies quoted after 28 September 2015.

Here are some common questions and answers which can give you more information on our Group Cancer Cover.

What is Group Cancer Cover?

Aviva Group Cancer Cover is an employer funded product that provides a tax free lump sum benefit of £25,000 if a scheme member is diagnosed with cancer, as defined in our Terms and Conditions.

Group Cancer Cover is similar to our Group Critical Illness product but only pays a benefit on diagnosis of cancer. The definition of cancer is identical to the one we have under our Group Critical Illness product.

Why does this product only cover cancer?

Many employers want to provide benefits that are valued by their employees but due to constraints on budgets, an employer funded Critical Illness product may not be viable.

What if an employee has had cancer before?

We provide an optional benefit that employers can select at policy set up, which provides some cover for employees who have been previously diagnosed with cancer. A benefit would be payable for a diagnosis of a new, unrelated cancer as defined by the policy terms. For full details, please see our Technical guide (PDF 462KB).

What benefit bases are available?

A fixed sum assured of £25,000 is available. Group Cancer Cover has been designed to provide a benefit the scheme member can use to help meet the everyday costs associated with a cancer diagnosis. The costs can include travel to medical appointments and increased heating bills, as well as helping to offset the possibility of a loss of income.

Who is this available to?

We offer Group Cancer Cover to employers with 50 or more eligible members. Eligibility must be clearly defined. There is no restriction on the nature of business, regardless of occupation. Find out more here.

What industry types will you quote for?

We’re happy to provide quotations for all industry types.

What value added services are available to scheme members?

Best Doctors® and RedArc nurses phone services are provided to all scheme members. All these services are non-contractual benefits that can be withdrawn at any time by the Aviva Group without notice.

Best Doctors® is a registered trademark of Best Doctors, Inc. Used with permission.

What does Best Doctors provide?

Best Doctors provides expert medical information, advice and second opinions, connecting members to world leading medical expertise. The service is available to everyone covered by a Group Cancer Cover product, their spouse/partner and any dependant children at any time. Eligible dependants include the member’s spouse/partner and any children (including legally adopted children and stepchildren).

What does RedArc provide?

RedArc personal nurse advisers give employees practical advice and emotional support to help them through their illness. The nurses are highly experienced qualified nurses with a wide range of specialised and general medical knowledge.

They take time to listen, empathise and get to know employees properly, in order to offer a comprehensive and compassionate service.

What is the tax treatment of Group Cancer Cover?

Our Group Cancer Cover scheme is financed by the employer with no contribution from employees.

In this situation our understanding is that the cost to the employer is allowed as a trading expense and lump sum benefits are paid tax free (under current HM Revenue and Customs practice) to the member.

The premiums paid by the employer are a ‘benefit in kind’ for the members and are taxed under the PAYE system. HM Revenue and Customs does not normally grant tax relief on premiums paid for any members with a proprietorial interest in the company. However, they may sometimes grant tax relief provided that a substantial number of other employees are entitled to similar benefits. Clarification of the tax position in such cases should be sought from your local Inspector of Taxes. Legislation and HM Revenue and Customs practice and tax rules may change in the future and depend on the company's and individual's circumstances.

How can I find out more about Group Cancer Cover?

For more information please contact your usual financial adviser.

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