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Your Protection Plus Benefits

Update your policy or make a claim using the corresponding sections below. For general coverage details, including coverage amounts and designated beneficiaries, you can visit the Member Services Site or Blue Cross Mobile App to download your detailed policy booklet.

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Your Protection Plus Benefits

Update your policy or make a claim using the corresponding sections below. For general coverage details, including coverage amounts and designated beneficiaries, you can visit the Member Services Site or Blue Cross Mobile App to download your detailed policy booklet.

Download on the App Store Get it on Google Play

Update your policy

Follow the steps below to make changes to coverage, beneficiaries, payment types or in the event of a life event.

Please submit your completed form to Blue Cross Life by email or by mail, to the address indicated on the applicable form.

You will need to complete a new online application for the following:

  • Increasing coverage – indicate only the additional amount of coverage you need.
  • Adding Protection Plus Benefits for your spouse and dependents – indicate the family member and the amount of coverage for each.

The calculated rate will only show the premium amounts for that additional coverage, which will be on top of your current premium deduction.

If you already have optional coverage and want to add coverage for only your child(ren), please call us at 1-844-949-3809.

You can make changes to your coverage (i.e. adding a child, removing a spouse, etc.) by completing the applicable sections of the Optional Benefits Change Form and submitting it to protectionplusadmin@bluecrosslife.ca.

You can change your designated beneficiaries1 at any time by completing and the applicable sections of the Optional Benefits Change Form and submitting it to protectionplusadmin@bluecrosslife.ca.

To pay by pre-authorized debit, you can update your banking information by completing the Pre-Authorized Debit (PAD) Form and submitting it to protectionplusadmin@bluecrosslife.ca.

You can also update your preferred payment method in the Blue Cross Mobile App. Tap Menu > My Account > Premium payment method.

Moving? New email? You can make changes to your contact information by completing the applicable sections of the Optional Benefits Change Form and submitting it to protectionplusadmin@bluecrosslife.ca.

If your name has changed (i.e. marriage, divorce, legal name change etc.) you can change your name on your policy by completing the Name Change Form and submitting it to protectionplusadmin@bluecrosslife.ca.

Are you a former smoker that has quit smoking for more than one year? You can make changes to your smoker status by completing the Non-Smoker Questionnaire and submitting it to protectionplusadmin@bluecrosslife.ca.

Are you looking to cover a child aged 26 or older with a disability that prevents them from engaging in any substantially gainful activity? You can have their eligibility for coverage assessed, by completing the Special Dependent Questionnaire and submitting it to protectionplusadmin@bluecrosslife.ca.

To authorize Blue Cross to release your personal information to a third-party on your behalf, please complete the Consent to Disclose Personal Information Form and submit it to protectionplusadmin@bluecrosslife.ca.

For those who experienced one of the life events listed below in the past 31 days, medical questions will be waived for total amounts up to the Non-Evidence Limit2:

  • marriage or common law union
  • birth or adoption of a child
  • divorce or legal separation
  • death of a Dependent

Applications must be submitted within 31 days of the Life Event occurring.

1. Please note: in Quebec, if you designate your spouse as a beneficiary, they’re considered an irrevocable beneficiary (unless you’ve specifically requested that they be considered revocable). Making changes to an irrevocable beneficiary designation (either to remove their name as beneficiary or to change the allocation percentage) requires the written consent of the named irrevocable beneficiary.

2. The Non-Evidence Limit is the amount of coverage you can purchase without answering any medical questions. When you use the quote tool, you’ll be told what that amount is for your group.

Making a claim

To complete the downloaded form you can either print it, or fill it out in Adobe Reader XI or higher (not your browser) and save it. Please submit your completed claim form to Blue Cross Life through the Blue Cross mobile app, by email, or by mail to the address indicated on the applicable form.

Critical Illness Claim Form
Use this form if you are a making a claim for Critical Illness insurance benefits.

Attending Physician’s Statement
Your doctor needs to complete and sign this form if you are a making a claim for Critical Illness insurance benefits.

Life Claim Form
Use this form if you are a beneficiary making a claim for Life insurance benefits, including Life claims caused by an accident.

Terminal Illness Claim Form
Use this form to request a lump sum payment of your (or your spouse’s) Life insurance benefit when a terminal illness has been diagnosed. Your doctor will need to complete and sign the ‘Attending Physician’s Statement’ section of this form.

Accident Claim Form
Use this form if you are making a claim related to an accident, except an accident resulting in a death. Your doctor will need to complete and sign the ‘Attending Physician’s Statement’ section of this form.

If the accident resulted in a death, please complete one Life Claim Form only. The Accident Claim Form is not required.

I have a question that wasn't covered above.

Please give us a call!

For any questions regarding Protection Plus Benefits including applications and quotes or existing coverage, claim or premiums: 1-844-949-3809

I have a question that wasn't covered above.

Please give us a call!

For any questions regarding Protection Plus Benefits including applications and quotes or existing coverage, claim or premiums: 1-844-949-3809

TM Trademark of the Canadian Association of Blue Cross Plans, an association of independent Blue Cross Plans.Used under license by Blue Cross Life Insurance Company of Canada.

Blue Cross Life Insurance Company of Canada underwrites all life and disability benefits.

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