Policy cover explained
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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.
In the event that one of your employees is diagnosed with cancer, our Group Cancer Cover policy pays a fixed £25,000 tax-free lump sum for their benefit. The diagnosis will need to fit the following definition:
Cancer – (excluding less advanced cases)
Any malignant tumour positively diagnosed with histological confirmation and characterised by the uncontrolled growth of malignant cells and invasion of tissue. The term malignant tumour includes leukaemia, lymphoma and sarcoma except cutaneous lymphoma (lymphoma confined to the skin).
For the above definition, the following are not covered:
- All cancers which are histologically classified as any of the following that the member has received treatment for within the last five years:
- cancer in situ
- having borderline malignancy
- having low malignant potential
- All tumours of the prostate unless histologically classified as having a Gleason score greater than six or having progressed to at least clinical TNM classification T2N0M0.
- Chronic lymphocytic leukaemia unless histologically classified as having progressed to at least Binet Stage A.
- Any skin cancer (including cutaneous lymphoma) other than:
- malignant melanoma that has been histologically classified as having caused invasion beyond the epidermis (outer layer of skin) or
- the occurrence of a malignant basal cell carcinoma or malignant squamous cell carcinoma positively diagnosed with histological confirmation and characterised by the uncontrolled growth of malignant cells and invasion of tissue. To satisfy the definition of skin cancer in this bullet point, the skin cancer must have invaded and spread to lymph nodes or metastasised to distant organs.
Members with a history of cancer
You can select an optional benefit when setting the policy up, which provides some cover for employees who have been previously diagnosed with cancer. This can be extremely valuable to people who have had to live with cancer in the past.
A benefit would be payable on diagnosis of a new, unrelated cancer as defined by the policy terms. Please see our technical guide (PDF 462KB)for full details.
When will the cover not pay out?
A claim for benefit will not be paid if:
- The diagnosis of cancer does not meet the definition of cancer in the policy conditions.
- A member opts out of their membership (for example for tax reasons or they have recently received treatment for cancer) or the policy is terminated.
For more information please contact your usual financial adviser.