Critical Illness Insurance Plan

You are on: Benefits

Our Critical Illness Insurance Plan provides a lump-sum benefit and valuable assistance services to help you and your family cope with the financial and non-financial challenges of cancer, heart attack and stroke.

The plan offers the following key benefits:

• Your choice of a lump-sum benefit amount of $10,000, $25,000, $50,000 or $75,000—to be used any way you wish
• Affordable coverage for the three most common critical illnesses⁽²⁾—cancer⁽³⁾, heart attack and stroke
• Valuable assistance services (see below)
• Optional Return of Premium on Death benefit, which can refund all of the premiums you have paid if you die while the policy is in force

How much critical illness insurance do you need?

Assistance services

In addition to the lump-sum benefit payment, this plan includes a unique combination of assistance services that can help you and your family better cope with the emotional stress and challenges of a critical illness:

• Best Doctors^®* Service: An authoritative resource for medical information and advice, Best Doctors helps take the guesswork out of finding the right medical care by giving you access to the best specialists worldwide and answers to complex medical questions.
• Daily Living Assistance: Obtain information and resources to help you and your family manage day-to-day activities. This includes access to your very own care coach, a specially trained consultant who will work with you to develop a plan to help you manage day-to-day activities.
• “The Healing Journey” Program: Receive support to help deal with the stress associated with a critical illness.
• Early Assistance Benefit: Without reducing your critical illness benefit for future claims, you can receive 10% of your benefit (to a maximum of $50,000) if you are diagnosed with and satisfy the survival period for early prostate, breast or skin cancer or coronary angioplasty. The Early Assistance benefit is payable only once.

The information above is intended as a summary only. Your policy will contain complete details on terms and conditions, including benefits and exclusions.

For more information:

• Compare Critical Illness Insurance Plans
• Critical Illness Insurance FAQs

You are on: Eligibility

Eligibility Requirements

You are eligible to apply for our Critical Illness Insurance Plan if you:

• Are between the ages of 18 and 50, and
• Are a Canadian citizen or permanent resident/landed immigrant who has been in Canada for more than 12 months, and
• Have not been diagnosed with, or have been treated for certain medical conditions

Note: If you are between the ages of 51 and 65, you may apply for our Critical Illness Recovery Plan Policy.

You are on: What's Covered

Covered Conditions

The Critical Illness Insurance Plan provides a lump-sum benefit if you are diagnosed with any of the following covered critical illnesses or conditions, as defined in the policy, and satisfy the survival period, as defined in the policy:

• Cancer⁽³⁾
• Heart attack
• Stroke

Summary of Exclusions*

Survival Period

Waiting Period for Cancer

You are on: Premium & Term Options

Your Premium and Term Options

The Critical Illness Insurance Plan is a 10-year term policy, renewable to age 65.

Premiums are regularly scheduled to change every 10 years. We will not change the plan benefits, but the premiums may be subject to change. However, we cannot change the premium unless we do so for an entire group of policyholders sharing similar characteristics.