Group Cancer Cover

How does this policy work?

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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.

Affordable, simple and easy to administer

Group Cancer Cover is an affordable, employer paid benefit that’s simple and easy to administer. It provides a tax free lump sum benefit of £25,000 if your employee is diagnosed with cancer, which is designed to help meet the everyday costs associated with the disease. Please note that this policy has no surrender value.

Payment of the benefit is subject to a survival period of 14 days from the diagnosis. We provide 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.

The benefits of Group Cancer Cover include:

  • Fixed lump sum benefit of £25,000 to the member.
  • Payment on diagnosis of cancer, as defined in the policy, provided your employee survives for at least 14 days.
  • Includes some protection for employees who have been previously diagnosed with cancer.
  • The actual cost may be further reduced by Corporation Tax relief.
  • Easy to set up and administer.
  • Simple annual accounting process.
  • Emotional and practical support from trained nurses.
  • Expert medical information, advice and second opinions.

The lump sum benefit is usually free of all taxes to your employee. Your premiums count as a benefit in kind for employees. However, HM Revenue and Customs practice and tax rules may change in the future and depend on the Company's and Individual's circumstances.

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

Terms and condition apply, please read our technical guide (PDF 462KB) for more information.

Extra care at no extra cost

As a member of a Group Cancer Cover scheme your employees have access to a range of additional services from trained professionals at no extra cost.

RedArc nurses

RedArc is a Personal Nurse Advice service which has been supporting people with serious health conditions for 18 years. For an employee diagnosed with cancer, their service can help them and their family.

At the heart of the service is the Personal Nurse Adviser, a highly experienced registered nurse who will provide tailored support to meet each person’s particular circumstances.

The Personal Nurse Adviser will be available by telephone to provide practical and emotional support for as long as needed.

Also, where appropriate, they can arrange:

  • A one-off home visit or series of telephone support calls from a Specialist Cancer Nurse or
  • A course of therapy i.e. counselling or complementary or occupational therapy or
  • A face to face second medical opinion from a UK-based specialist

Best Doctors®

Best Doctors is a global organisation which provides second medical opinions by connecting employees to medical experts around the world to help them make more informed decisions about their health. 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).

This extra value service is provided as standard but is non-contractual and may be withdrawn by the A viva Group at any time without notice.

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

All of these services are confidential and the service providers will not share with us any personal information which is provided to them.

For more information please contact your usual financial adviser.

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