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Optional Benefits

Add value to your benefits plan with no work or cost for you.

Why Add Optional Benefits to your Group Plan?

Learn more about Optional Benefits

Protecting who matters most is never really optional.

White Paper; The Protection Gap

We recently commissioned a survey of working Canadians about their Group benefit coverage and financial wellbeing if faced with unexpected health challenges. Our exclusive white paper digs into the results for insights into what is worrying today's workers, and the simple changes you can make to your benefits plan to help them take control of their future.

White Paper; The Protection Gap

We recently commissioned a survey of working Canadians about their Group benefit coverage and financial wellbeing if faced with unexpected health challenges. Our exclusive white paper digs into the results for insights into what is worrying today's workers, and the simple changes you can make to your benefits plan to help them take control of their future.


Elevate your Benefits Plan

As members ask for more choice and the ability to customize their benefit plans, adding Optional Benefits helps you demonstrate that you are listening—and responding.

Our innovative Optional Benefits platform lets plan members easily manage their benefits. They can select the coverage they want, see their monthly premium in real-time, and set up their preferred payment method—all within minutes and with no cost or extra work for you.

And because this offering is tied to your group plan, members will be able to access affordable coverage without any medical questions*—an advantage they could never enjoy if purchasing coverage on their own.

*Up to a Non-Evidence Limit (NEL)


Elevate your Benefits Plan

As members ask for more choice and the ability to customize their benefit plans, adding Optional Benefits helps you demonstrate that you are listening—and responding.

Our innovative Optional Benefits platform lets plan members easily manage their benefits. They can select the coverage they want, see their monthly premium in real-time, and set up their preferred payment method—all within minutes and with no cost or extra work for you.

And because this offering is tied to your group plan, members will be able to access affordable coverage without any medical questions*—an advantage they could never enjoy if purchasing coverage on their own.

*Up to a Non-Evidence Limit (NEL)

A Simple Approach to Administer Benefits

Traditional competitor options can be a challenge to administer. While highly valued by plan members, overburdening administrators with products that are difficult to enrol in and a challenge to communicate clearly often results in plan members not securing the coverage they want and need.

We’ve created a new approach—one that makes life easy for the plan sponsor and the member.

How Plan Sponsors Benefit

  • Optional Benefits gives your members the added coverage, choice and flexibility they value.
  • We offer industry leading digital insurance solutions and configurable product selection.
  • No administration burden for you associated with payroll deduction or managing coverage amounts.
  • Detailed communications and education plan for your members.
  • No paper forms or signatures required.
  • Access to a dedicated Optional Benefits Account Executive within your existing Medavie Blue Cross team.

How Plan Members Benefit

  • Access valuable coverage that suits their needs, at lower group rates.
  • Sign-up is simple, fast and secure, on any computer or mobile device.
  • They can choose their preferred payment method (credit card or pre-authorized debit).
  • No medical questions or exams up to certain dollar amounts during open enrolments and at hire.
  • Members can access coverage info, beneficiaries and more on the Medavie Mobile app.
  • Conversion options available for those who lose group coverage.


Flexible Product Offering

Your members choose what they need to best suit their lifestyle and needs. We offer a variety of unique, customer-oriented products through Optional Benefits that can support your members financial security and physical health.


Flexible Product Offering

Your members choose what they need to best suit their lifestyle and needs. We offer a variety of unique, customer-oriented products through Optional Benefits that can support your members financial security and physical health.


Exceptional Client Experience

Our intuitive, mobile-friendly platform—medaviebc.ca/optional—walks your members through the application and purchase process, while providing lots of product information and resources for reference. The Plan Sponsor, meanwhile, does not need to manage payment, communication, or anything at all!


Exceptional Client Experience

Our intuitive, mobile-friendly platform—medaviebc.ca/optional—walks your members through the application and purchase process, while providing lots of product information and resources for reference. The Plan Sponsor, meanwhile, does not need to manage payment, communication, or anything at all!

Direct Member Communication

With Optional Benefits, we look after communicating with your members about this opportunity, as well as the entire purchase and administration process. We provide them their unique site and access code to sign up for the coverage they want and also work with you to provide customized plan member support, education plans, and communications.

Why will your members sign up for Optional Benefits?

Digital Access – Optional Benefits is fully integrated with our industry-leading Medavie Blue Cross mobile app, giving your members quick and easy access from their smartphone.

Flexibility – Coverage provides 100% tax-free, lump-sum cash payments to spend as they choose in their time of need—no questions asked! Critical Illness Insurance also covers 36 conditions—a lot more than most companies.

Group Rates – As an employee of your organization, they qualify for rates that are typically lower than you might find on your own, all without requiring a medical questionnaire.

Fast and easy process – They can sign up in minutes at medaviebc.ca/optional, with payment by pre-authorized debit or credit card.

Accessible - During the enrolment period, they can apply for Optional Benefits, with no medical questions asked, up to certain dollar amounts.

Choice - They can choose the benefits and the coverage amounts that is right for them and their family.

Why choose us?

It’s a big decision, but we’re here to help. Find out why Medavie Blue Cross is the best partner for your health coverage needs.

Our team would love to work with you on how best to leverage Optional Benefits in your business.

To discuss adding Optional Benefits to your plan, speak to your Medavie Blue Cross representative or contact us:

[email protected]


The Blue Cross symbol and name are registered trademarks of the Canadian Association of Blue Cross Plans, used under licence by Medavie Blue Cross, an independent licensee of the Canadian Association of Blue Cross Plans. Blue Cross Life Insurance Company of Canada underwrites all life, critical illness and accidental death and dismemberment insurance.