If you’re diagnosed with, or require surgery for one of the specific illnesses covered by the policy, we will make a payment to ease the financial pressure being ill can cause.

It’s up to you how you use the money. You may choose to pay off your mortgage, pay for specialist care or make changes to your home.

What is Critical Illness Insurance?

CRITICALILLNESSINSURANCEFLEXIBLE BENEFITS FAQ

Introducing

The amount you pay will depend on your age and level of cover.

If you need more information on the taxation of this benefit, you should speak to your HR department.

How much do I have to pay?

How do I sign up?Simply log onto your flexible benefits platform and make your selection.

Will I need to provide any more information?In some circumstances and depending on your level of cover, we may 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:

• 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.

What does my cover provide?Financial peace of mind is just one of the benefits Critical Illness Insurance provides. You’ll have access to a range of Support Services, including:

• Second Medical Opinion – an expert second opinion on almost any treatment or diagnosis

• Personal Nurse Service – long-term practical and emotional support over the phone with same qualified nurse

How will the benefit be paid?We will pay you directly, usually via bank transfer.

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 are automatically covered for 25% of your benefit (subject to a maximum of £20,000).

Your HR team will be able to let you know if insurance for your partner is available.

Will I still be covered if I leave the company?No. You will no longer be covered if you leave the company.

Our forms are available to download from our website: www.canadalife.co.uk/groupCanada Life Limited, 3 Rivergate, Temple Quay, Bristol BS1 6ER. Telephone 0345 223 8000.Canada Life Limited, registered in England no. 973271. Registered Office: Canada Life Place, Potters Bar, Hertfordshire EN6 5BA. CLFIS (UK) Limited, registered in England no. 04356028 is an associate company of Canada Life Limited. Registered Office: Canada Life Place, Potters Bar, Hertfordshire EN6 5BA. Canada Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.GRP1243 – 1119R

The content of this document does not affect or replace the applicable policy particulars, terms or conditions.

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For more informationvisit our website at

www.canadalife.co.uk/group