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.

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

What is Group Cancer Cover?

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?

The Group Cancer Cover policy provides some protection for employees who have been previously diagnosed with cancer. A benefit would be payable on 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 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 All these services are non-contractual benefits that can be withdrawn at any time by the Aviva Group without notice.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 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.

What does RedArc provide?

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

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. Clarification of the tax position 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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