Will I need to provide any more information?

In most cases, we’ll need to check you’re in good physical health and working your normal hours. We call this being ‘actively at work’; you can read full terms by clicking <a href="https://p3.aprimocdn.net/canadalifeuk/requirements-once-flexible-benefits-have-been-selected-flex-how-it-works.pdf">here</a>. In some circumstances and depending on your level of cover, we might also need you to complete a health questionnaire, but this usually isn’t required.

What illnesses am I covered for?

A full list of illnesses will be available through your HR department, but as a minimum you’ll be covered for: <ul> <li>Cancer – excluding less advanced cases</li> <li>Heart attack – of specified severity</li> <li>Stroke – resulting in permanent symptoms</li> </ul> Please note, a pre-existing condition exclusion (PECE) and related condition exclusion will apply. Full details of these exclusions can be found on our website, or by clicking here.

Are my family covered?

If you have children (including step-children or any who are adopted) aged under 18 years old (under 22 years old in full time education), they’re automatically covered for 25% of your benefit (subject to a maximum of £25,000). Your HR team will be able to let you know if insurance for your partner is available.

How will the benefit be paid?

We’ll pay the Trustees of the scheme, who should pass the payment to the chosen beneficiaries. This is usually done via bank transfer.

Our Flexible Benefits products

Our flexible benefits give you control of your workplace benefits package. You can choose the cover that works for you, whatever stage of life you’re at.

What is Critical Illness Insurance?

This type of benefit is designed to support you if you’re unwell. If you’re suddenly diagnosed with one of the defined illnesses or undergo one of the listed surgeries, we’ll make a tax-free payment directly to you. So that you can focus on getting better without worrying about household or medical bills.

How can it help?

Financial security helps both you and your family at a difficult time
No medical underwriting in most cases
Support services, providing practical and emotional support
Simple sign-up process through your benefits platform
A range of illnesses covered – including cancer, heart attack and stroke

Critical Illness for employees and partners: Flexible Benefits video

Your Support Services

We believe protection should be more than a financial benefit. That’s why we offer a wide range of support services with our cover, providing support whenever you need it.

Second medical opinion

You’ll have access to an expert second medical opinion service, providing access to over 50,000 leading consultants worldwide. They provide second opinions on diagnoses and treatments for almost any condition.

myStrength

Choose the mental wellbeing support you need and get free personalised guidance to help you and your immediate family members,³ who are aged 16+, overcome life’s challenges.

Toothfairy

You have access to Toothfairy – the UK’s first health regulated, smart dental app. Toothfairy provides instant access to advice, guidance and prescriptions, all from the comfort of home.

Learn more about our support services

These services are non-contractual, provided through Canada Life and can be altered or withdrawn at any time.

Frequently asked questions

In most cases, we’ll need to check you’re in good physical health and working your normal hours. We call this being ‘actively at work’; you can read full terms by clicking here. In some circumstances and depending on your level of cover, we might also need you to complete a health questionnaire, but this usually isn’t required.
A full list of illnesses will be available through your HR department, but as a minimum you’ll be covered for:
- Cancer – excluding less advanced cases
- Heart attack – of specified severity
- Stroke – resulting in permanent symptoms
Please note, a pre-existing condition exclusion (PECE) and related condition exclusion will apply. Full details of these exclusions can be found on our website, or by clicking here.
If you have children (including step-children or any who are adopted) aged under 18 years old (under 22 years old in full time education), they’re automatically covered for 25% of your benefit (subject to a maximum of £25,000). Your HR team will be able to let you know if insurance for your partner is available.

A full list of our Partner Life Insurance FAQs can be downloaded here

Explore our other Flexible Benefits products

Partner Life Insurance: Flexible Benefits video

Watch our video introduction to Partner Life Insurance.

Find out more

Life Insurance: Flexible Benefits video

Watch our video introduction to Life Insurance.

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Critical Illness for employees: Flexible Benefits video

Watch our video introduction to Critical Illness for employees.