Group critical illness

Add support when a team member faces a covered illness.

Illustrative Caribbean colleagues taking a courtyard break — For the business you’re building.

When illness changes a colleague’s life,
consider the support available.

Explore critical illness benefits for employees and the policy definitions that govern a claim.

The right approach depends on your circumstances, existing arrangements and the provider’s current terms. We’ll help you understand the details in a consultation.

Your next step

Getting ready for Group critical illness

Begin with the quotation or consultation for this policy. Once you accept a quotation, use the relevant application checklist below. BIAI will guide you through the official forms and signatures.

Group Life & Health — employer quotation

Sagicor Life

For the employer’s proposal

Completed Request for Group Proposal with the benefits your organisation wishes to consider.
Employee census in Excel: names, dates of birth, occupation, sex, cover tier, earnings and employment dates.
If already insured: last three years’ claims experience, details of large open claims, current benefits and premium rates. Supply sensitive claims information only through the channel agreed with BIAI.

Ask about this request →

Group Life & Health — accepted employer proposal

Sagicor Life

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

I’ve accepted my quotation or BIAI has asked me to prepare my application.

Ask about this request →

Group Life & Health — employee enrolment

Sagicor Life

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

I’ve accepted my quotation or BIAI has asked me to prepare my application.

Ask about this request →

Critical illness claim — start an enquiry

Sagicor Life

Ask BIAI about starting a Critical Illness claim. We’ll confirm the policy-specific requirements and signing dates; submitting an enquiry does not confirm a claim is payable.

What to have ready

Policy reference, diagnosis and diagnosis date; policy data schedules and Life Protector provision sheets where available.
Claimant identification (front and back where applicable) and proof of address within three months; BIAI will confirm certification or overseas notarisation.
Relevant medical evidence: pathology report for cancer, MRI or CT report for stroke, ECG/troponin for heart attack, or the relevant reports for another diagnosis.
Review and complete the Claimant’s Statement and customer/tax forms BIAI supplies; the treating physician completes the diagnosis-specific Confidential Medical Statement. Provide applicable overseas tax-ID evidence.
Review and sign the claim documents when BIAI confirms the timing for your policy version. Notify us promptly; the policy’s survival period and the form-signing requirement must be checked for your claim.

Ask about this request →

Critical illness claim — check status or payment

Sagicor Life

For a claim already submitted. If you do not have a claim reference, share the policy number and enough information to identify it. You do not need to submit the claim again or routinely resend its supporting documents. BIAI will check with Sagicor Life; the insurer confirms the decision and any payment.

What to have ready

Policy number and claim reference, if available.
When the claim was submitted and to whom, if known.
The update you need: progress, outstanding documents, decision, settlement or whether payment has been made.
Any recent claim correspondence or payment reference relevant to your question, if available.

Ask about this request →

Share sensitive documents only through the channel agreed with BIAI.

Document Scan Guidelines →

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When illness changes a colleague’s life,consider the support available.

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When illness changes a colleague’s life,
consider the support available.