Download Group Cancer Cover

For financial adviser use only. Not approved for use with customers.
Group Cancer Cover
An affordable benefit that is simple
and easy to administer.
Group Cancer Cover is provided and underwritten by
Friends Life Limited, part of the Aviva group.
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Group Cancer Cover from Aviva
Cancer can affect anyone at any time. By 2020, nearly half of Britons are
likely to be diagnosed with the disease at some point during their life*.
Thankfully, with medical advances people are now more likely to survive
cancer, but they often suffer both emotionally and financially. By choosing
Group Cancer cover from Aviva, we help protect employees financially,
making money one less worry.
* Source: Macmillan Cancer Support Research, 2013
Features of our
Group Cancer Cover
Group Cancer Cover is available to all eligible
employees and provides:
• Fixed lump sum benefit of £25,000 to the member,
payable on diagnosis of cancer, as defined in the policy
conditions, provided the member survives for at least
14 days.
Second and Subsequent Cancer
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 Policy terms and conditions
and Technical Guide.
• Lower cost to policyholder than Group Critical Illness
Who can be covered?
• The actual cost may be further reduced by
The employer, as the policyholder, decides who is eligible
to be covered, for example, all office staff or all employees.
There must be a minimum of 50 eligible members for us to
provide a quotation.
cover.
Corporation Tax relief.
• Easy for policyholder to set up and administer.
• Simple annual accounting process.
• Lump sum benefit is usually free of all taxes to the
member. Please note that the policyholder’s premiums
count as a benefit in kind for employees. Tax rules may
change and are based on individual circumstances.
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If employees are eligible for cover, they will be automatically
included unless they opt out in accordance with their
employer’s requirements before the cover starts. Members
can also opt out of the policy at any time, as long as they
follow the policyholder’s opt out requirements.
What is covered?
Added value services
We pay a tax-free lump sum benefit when cancer is
diagnosed. We define cancer as:
All members of the Group Cancer Cover policy
have access to:
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
• sarcoma
• lymphoma (except cutaneous lymphoma – lymphoma
confined to the skin).
The following are not covered:
• All cancers which are histologically classified as any of
the following:
–pre-malignant
–non-invasive
– cancer in-situ
– having either borderline malignancy; or
– having low malignant potential.
RedArc
We’re offering RedArc’s services to members and their
families who take out Group Cancer Cover and go on to
make a claim. We understand that it can be a difficult time
for members to talk about their diagnosis. So they don’t
have to talk to RedArc straight away. They don’t have to
talk to them at all. It’s up to them. If members and their
families decide to use RedArc, everything they need will
be in one place. They’ll have one point of contact- their
personal nurse adviser- who brings all the services together.
The service provided at the point of claim with Aviva
includes:
• A nurse telephone advice service that provides emotional
and practical support when dealing with a cancer
diagnosis.
• Access to a personal nurse adviser who will take the time
to understand the member’s diagnosis and talk to them
about what they’re going through.
• Malignant melanoma skin cancer that is confined to the
• Ongoing one-on-one support.
• Tailored care all in one place.
• Any non-melanoma skin cancer (including cutaneous
Best Doctors®
• All tumours of the prostate unless histologically classified
Best Doctors provides expert medical support and second
medical opinions, connects members and their families to
global medical expertise and helps them to make informed
decisions about their health. It will help them answer
important questions they may have, such as:
epidermis (outer layer of skin).
lymphoma) that has not spread to lymph nodes or
metastasised to distant organs.
as having a Gleason score of 7 or above, or having
progressed to at least TNM classification T2bN0M0.
When won’t the cover
pay out?
A claim for benefit will not be paid if:
• Will I get better?
• Is my diagnosis correct?
• Is the treatment I have been recommended the most
appropriate or is there an alternative?
• the diagnosis of cancer does not meet the definition
Best Doctors achieves this by offering an expert second
medical opinion from its database of 53,000 peer-reviewed
specialists, helping members get a definitive diagnosis and
a clear treatment plan.
• a member opts out of their membership, or the policy
Best Doctors is a registered trade mark of Best Doctors, Inc.
Used with permission.
• a member has been diagnosed with any form of cancer
or cancer in situ before joining their employer’s policy
of cancer in the policy conditions
is terminated
• payment of benefit is subject to a survival period of
Continued on next page.
14 days.
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Added value services continued
Stress Helpline
The 24/7 Stress Helpline provided by Care first gives
employees access to an ‘in the moment’ helpline handled
by BACP accredited counsellors that assists callers with
regaining some sense of control when overwhelmed. This
is achieved by providing on the spot support, which allows
callers space to ‘offload’ and gain new perspective. This
one-off counselling facility provides practical strategies
and caller ‘empowerment’ not just to feel better but to do
something about the situation they face.
Multiproduct discount
Employees will have exclusive discounts available to them
on other Aviva products such as home and travel insurance.
Get Active
Employees will have up to 25% off gym membership from
a range of top UK health clubs.
Full details on these discounts can be found in our guide
‘Healthy discounts for Group Protection Customers’.
These services are non-contractual benefits that can
be withdrawn by Aviva at any time without notice.
Eligible dependants include the member’s spouse/
partner and any children (including legally adopted
children and stepchildren).
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Your questions answered
Why does this product only cover cancer?
What is the tax treatment?
Many employers want to provide benefits that are valued
by their employees, but budget constraints mean, an
employer-funded critical illness product isn’t always viable.
Our Group Cancer Cover policy is financed by the employer
with no contribution from employees. 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 & Customs (HMRC) practice) to the member.
Cancer claims make up approximately 70% of all critical
illness claims1. There are around two million people living
with a cancer diagnosis in the UK. This is set to rise to four
million by 20302.
As well as the obvious health concerns, a cancer diagnosis
brings with it additional financial implications. Group
Cancer Cover provides much-needed financial support for
members in this situation.
Group Cancer Cover also offers employers a simple,
cost‑effective solution.
Why Cancer Cover?
The Group Cancer Cover benefit is designed to help
members meet the everyday, incremental 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.
The premiums the employer pays are a ‘benefit in kind’ for
the members, and are taxed under the PAYE system. HMRC
does not normally grant tax relief on premiums paid for
any members with a proprietorial interest in the company.
However, it may sometimes grant tax relief provided a
substantial number of other employees are entitled to
similar benefits. We recommend you get clarification from
your local Inspector of Taxes.
HMRC rules around taxation of benefits and premiums may
change in the future.
How can I find out more about the Group
Cancer Cover?
For more information, please contact our sales team on
0800 145 5684
How do the exclusions differ between Group
Cancer Cover and Group Critical Illness Cover?
The exclusions differ due to the complete removal of
the associated condition exclusion (that exists on Group
Critical Illness products).
The design of Group Cancer Cover makes it easy for the
employee to know if they’re eligible, or if they should opt
out. The simplification of the exclusion should make the
decision straight forward for the employee.
Who is this product available to?
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.
What industry types will we quote for?
We will provide quotations for all industry types.
Source:
1
GRID – Claims survey 2013.
2
Macmillan Cancer Support Facts and Figures, June 2013
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Group Cancer Cover is provided and underwritten by
Friends Life Limited, part of the Aviva group.
Group Cancer Cover is provided and underwritten by Friends Life Limited, part of the Aviva group
Friends Life Limited No. 4096141 Registered Office: Pixham End, Dorking, Surrey RH4 1QA. Financial Services Register number 196142
Aviva Life & Pensions UK Limited No. 3253947 Registered Office: 2 Rougier Street, York, YO90 1UU. Financial Services Register number 185896
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6PSA155 AVIVA 08.15 (48706)
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