Canadian Life and Health Insurance Association Inc.

CLHIA Reference Documents

Industry Code: Genetic Testing Information for Insurance Underwriting
Life and health insurers in Canada do not require or initiate genetic testing to be done in order to apply for life or health insurance. Where genetic testing has been undertaken and a person is aware of the results and subsequently applies for insurance, the insurer needs to be made aware of relevant and material information derived from the test in order to properly assess the risk.
CLHIA's Position Statement on Genetic Testing

The industry's policy is that insurers would not require an applicant for insurance to undergo genetic testing. However, if genetic testing has been done and the information is available to the applicant for insurance and/or the applicant’s physician, the insurer would request access to that information just as it would for other aspects of the applicant’s health history.

Screening Agents for Suitability and Reporting Unsuitable Agents: CLHIA Model Reporting Form (re: Guideline G8)
The CLHIA Model Reporting Form can be used by companies when reporting an unsuitable agent.
The CLHIA Standardized MGA Compliance Review Survey provides a means for insurers to assess the controls that exist within the entities to which they have delegated screening and other compliance tasks. It is a Reference Document related to Guideline G8.
CLHIA Standardized MGA Compliance Review Survey [PDF]
CLHIA Standardized MGA Compliance Review Survey [Word]
Understanding Claims for Footwear and Orthotics

This reference document has been developed by member companies of the Canadian Life and Health Insurance Association Inc. This reference document is intended for general information only and will assist plan members and plan sponsors by providing some guidance on:

  • the terminology commonly used in describing footwear and orthotics, and -
  • the information which may typically be required by insurance companies and benefit plan administrators in order to adjudicate footwear and orthotic claims.
Service Provider Receipt Best Practices for Group Insurance Reimbursement
The following is a list of suggested receipt detail best practices for service providers. The best practices have been developed by member companies of the Canadian Life and Health Insurance Association (CLHIA) and provide a reference for providers. Following these best practices is an important tool in helping to reduce claims fraud and the reprocessing of submitted receipts due to incomplete information provided.