Protection Plus Benefits is supplemental insurance you can buy at a preferred rate as a member of a Blue Cross Life group. You can choose Critical Illness, Life Insurance or both. Accidental Death & Dismemberment is available as an add-on when you buy Life Insurance. Online Doctors is available as an add-on when you buy Critical Illness or Life Insurance. All benefits pay out a lump sum for you to spend as you wish.

Please note that not all products are offered to all groups.

As a member of a preferred group plan, you qualify for rates that are typically lower than you might find on your own. The application process is simple: you can do everything online and, if you’re within the open enrolment period, you don’t need to answer medical questions for certain coverage amounts.

If you’re not adequately insured, the financial impact of an unexpected accident or illness can be devastating. In time of need, the Critical Illness benefit will put a tax-free, lump sum cash payment in your pocket to help pay unexpected costs or protect your hard-earned savings during your recovery. You can use the money however you want.

Our Critical Illness covers 36 conditions – more than most products on the market.

You can find full product details here:

• Critical Illness
• Life Insurance
• Accidental Death & Dismemberment

You can apply for Protection Plus Benefits coverage for yourself and/or your spouse. Your child or children can only be covered if you or your spouse are also covered. One rate covers all children—independent of the size of your family—and we won’t ask medical questions about your children.

Please note that if both you and your spouse are employed by the same organization, you may not be covered more than once under the plan. That means if you’re covered as an employee, you can’t also be covered as a spouse.

After you’ve calculated your rate (make sure you have your group code to access the quote tool), click the ‘Start application’ button at the bottom of the screen. After the first step of the application (we’ll ask your name, email address and birth date), you’ll be emailed a unique link to your application so you can continue the process at a later time or from a different device. You can complete the entire process online—even signing your application!

No; you can complete the application in stages, if that works best for you. After the first step of the application (we’ll ask your name, email address and birth date), you’ll be emailed a unique link to your application so you can continue the process at a later time or from a different device—you can start your application on your work computer and continue it at home on your tablet.

It depends! During the initial enrolment period for your group, there’s a certain amount of coverage you can purchase without completing a medical questionnaire; that amount is known as the Non-Evidence Limit. You don’t need to answer any medical questions if you apply for this amount or less during the initial enrolment period. If you want even greater financial protection, you can apply for coverage amounts above the Non-Evidence Limit, but you’ll need to complete a medical questionnaire as part of your application.

If you apply outside of the open enrolment period, or 31 days after a life event, you’ll need to answer medical questions for any amount of coverage.

In the quote calculator, drag the slider to adjust the amount of coverage you want. Your maximum coverage amounts will be visible at the end of the slider. Coverage amounts for adults increase in units of $10,000. For children, the amounts increase by $5,000 at a time.

The amount of coverage you can purchase during the open enrolment period without answering any medical questions (the Non-Evidence Limit) was likely communicated to you by your organization or found in your Protection Plus Benefits enrolment package. It’s also indicated in the quote tool. Simply insert the unique access code provided by your organization into the rate calculator and you can identify at what coverage level medical questions will become applicable.

If you’re applying for Life insurance, you’ll be given the opportunity to designate one or more beneficiaries. You’re not obliged to specify one—benefits will be paid to your estate if you don’t choose one. However, we recommend you do designate at least one beneficiary. This simplifies claims payment (since resolutions for estate settlements can be a lengthy and time-consuming process) as well as ensuring the benefit goes directly to your beneficiary rather than being added to your estate holdings, which may then be used to pay off debts and other fees.

If you name a minor as your beneficiary, the proceeds of your Life insurance cannot be paid directly to that child. In these cases, a trustee retains legal control of these proceeds until your beneficiary reaches the age of majority. See the ‘What is a trustee?’ question to learn more about trustees.

After you submit your application, you’ll receive an email requesting your “electronic signature”. Follow the link in the email and you’ll be asked to simply click in the indicated boxes to “sign” the document. You don’t have to add your handwritten signature to anything.

If you’re applying during the open enrolment period, you’re automatically approved for amounts under the Non-Evidence Limit.

For coverage amounts above that limit, or for applications submitted outside the open enrolment period, we’ll be in touch to let you know whether your application has been approved or declined.