Over 30 Illnesses and Conditions

Aortic Surgery Aplastic Anemia Bacterial Meningitis Benign Brain Tumour Blindness Cancer (Life Threatening) Coma Coronary Angioplasty Coronary Artery Bypass Surgery Deafness Dementia including Alzheimer’s Disease Early Breast Cancer Early Prostate Cancer Early Skin Cancer Early Stage Blood Cancer Early Stage Intestinal Cancer Early Thyroid Cancer Heart Attack Heart Valve Replacement or Repair Kidney Failure Loss of Independent Existence Loss of Limbs Loss of Speech Major Organ Failure on Waiting List Major Organ Transplant Motor Neuron Disease Multiple Sclerosis Occupational HIV Infection Paralysis Parkinson’s Disease and Specified Atypical Parkinsonian Disorders Severe Burns Stroke

26 serious illnesses and conditions

Cancer: Life-threatening cancer Heart Conditions: Severe heart attack (acute myocardial infarction) Coronary artery bypass surgery Aortic surgey Heart valve replacement or repair Stroke: Stroke (resulting in severe neurological deficits) Organ Failure: Kidney failure Major organ failure on waiting list Major organ transplant Neurology: Multiple sclerosis Parkinson's disease and specified atypical Parkinsonian Disorders Dementia, including Alzheimer's disease Motor neuron disease Benign brain tumour Traumatic brain injury Other Covered Conditions: Coma Blindness Deafness Loss of limbs Loss of speech Paralysis Severe burns Aplastic anemia Bacterial meningitis Occupational HIV infection Loss of independent existence

26 serious illnesses and conditions

Cancer: Life-threatening cancer Heart Conditions: Severe heart attack (acute myocardial infarction) Coronary artery bypass surgery Aortic surgery Heart valve replacement or repair Stroke: Stroke (resulting in severe neurological deficits) Organ Failure: Kidney failure Major organ failure on waiting list Major organ transplant Neurology: Multiple sclerosis Parkinson's disease and specified atypical Parkinsonian Disorders Dementia, including Alzheimer's disease Motor neuron disease Benign brain tumour Traumatic brain injury Other Covered Conditions: Coma Blindness Deafness Loss of limbs Loss of speech Paralysis Severe burns Aplastic anemia Bacterial meningitis Occupational HIV infection Loss of independent existence

26 serious illnesses and conditions

Cancer: Life-threatening cancer Heart Conditions: Severe heart attack (acute myocardial infarction) Coronary artery bypass surgery Aortic surgery Heart valve replacement or repair Stroke: Stroke (resulting in severe neurological deficits) Organ Failure: Kidney failure Major organ failure on waiting list Major organ transplant Neurology: Multiple sclerosis Parkinson's disease and specified atypical Parkinsonian Disorders Dementia, including Alzheimer's disease Motor neuron disease Benign brain tumour Traumatic brain injury Other Covered Conditions: Coma Blindness Deafness Loss of limbs Loss of speech Paralysis Severe burns Aplastic anemia Bacterial meningitis Occupational HIV infection Loss of independent existence

26 serious illnesses and conditions

Cancer: Life-threatening cancer Heart Conditions: Severe heart attack (acute myocardial infarction) Coronary artery bypass surgery Aortic surgery Heart valve replacement or repair Stroke: Stroke (resulting in severe neurological deficits) Organ Failure: Kidney failure Major organ failure on waiting list Major organ transplant Neurology: Multiple sclerosis Parkinson's disease and specified atypical Parkinsonian Disorders Dementia, including Alzheimer's disease Motor neuron disease Benign brain tumour Traumatic brain injury Other Covered Conditions: Coma Blindness Deafness Loss of limbs Loss of speech Paralysis Severe burns Aplastic anemia Bacterial meningitis Occupational HIV infection Loss of independent existence

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Compare Critical Illness Insurance Plans

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Critical Illness Insurance

Renewable Term (Term 10, Term 15, Term 20)

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Critical Illness Insurance

Level Premium to Age 75 (Term 75)

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Critical Illness Insurance

Level Premium to Age 100 (Term 100)

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Ideal for
Ideal if you…	Want financial protection against a wide range of illnesses and conditions¹ and the option to choose a substantial benefit amount	Are earlier in your career or working through a specific financial commitment like a mortgage or car loan Prefer starting with lower premiums and want the option to adjust to longer-term or lifelong coverage when you’re ready	Are earlier in your career or working through a specific financial commitment like a mortgage or car loan Prefer starting with lower premiums and want the option to adjust to longer-term or lifelong coverage when you’re ready		Are focused on protecting your income and financial obligations leading up to retirement Value knowing exactly what your coverage costs, so you can plan confidently for the years ahead	Want lifelong coverage that stays in place no matter how your health or circumstances change Value the certainty of fixed premiums on a plan that stays with you for life

Eligibility
Age eligibility	18-65	Term 10 Renewable: 18-64 Term 15 Renewable: 18-59 Term 20 Renewable: 18-54	Term 10 Renewable: 18-64 Term 15 Renewable: 18-59 Term 20 Renewable: 18-54		Term 75 Level Premium – Payable to age 75: 18-65 Term 75 Level Premium – Payable for 15 years: 18-60 Term 75 Level Premium – Payable for 20 years: 18-55	Term 100 Level Premium – Payable to age 100: 18-65 Term 100 Level Premium – Payable for 15 years: 18-60 Term 100 Level Premium – Payable for 20 years: 18-55
Medical exam required	May be required	May be required	May be required		May be required	May be required

Coverage and benefits
Illnesses and Conditions Covered	Aortic Surgery Aplastic Anemia Bacterial Meningitis Benign Brain Tumour Blindness Cancer (Life Threatening) Coma Coronary Angioplasty Coronary Artery Bypass Surgery Deafness Dementia including Alzheimer’s Disease Early Breast Cancer Early Prostate Cancer Early Skin Cancer Early Stage Blood Cancer Early Stage Intestinal Cancer Early Thyroid Cancer Heart Attack Heart Valve Replacement or Repair Kidney Failure Loss of Independent Existence Loss of Limbs Loss of Speech Major Organ Failure on Waiting List Major Organ Transplant Motor Neuron Disease Multiple Sclerosis Occupational HIV Infection Paralysis Parkinson’s Disease and Specified Atypical Parkinsonian Disorders Severe Burns Stroke	Cancer: Life-threatening cancer Heart Conditions: Severe heart attack (acute myocardial infarction) Coronary artery bypass surgery Aortic surgey Heart valve replacement or repair Stroke: Stroke (resulting in severe neurological deficits) Organ Failure: Kidney failure Major organ failure on waiting list Major organ transplant Neurology: Multiple sclerosis Parkinson’s disease and specified atypical Parkinsonian Disorders Dementia, including Alzheimer’s disease Motor neuron disease Benign brain tumour Traumatic brain injury Other Covered Conditions: Coma Blindness Deafness Loss of limbs Loss of speech Paralysis Severe burns Aplastic anemia Bacterial meningitis Occupational HIV infection Loss of independent existence		Cancer: Life-threatening cancer Heart Conditions: Severe heart attack (acute myocardial infarction) Coronary artery bypass surgery Aortic surgery Heart valve replacement or repair Stroke: Stroke (resulting in severe neurological deficits) Organ Failure: Kidney failure Major organ failure on waiting list Major organ transplant Neurology: Multiple sclerosis Parkinson’s disease and specified atypical Parkinsonian Disorders Dementia, including Alzheimer’s disease Motor neuron disease Benign brain tumour Traumatic brain injury Other Covered Conditions: Coma Blindness Deafness Loss of limbs Loss of speech Paralysis Severe burns Aplastic anemia Bacterial meningitis Occupational HIV infection Loss of independent existence	Cancer: Life-threatening cancer Heart Conditions: Severe heart attack (acute myocardial infarction) Coronary artery bypass surgery Aortic surgery Heart valve replacement or repair Stroke: Stroke (resulting in severe neurological deficits) Organ Failure: Kidney failure Major organ failure on waiting list Major organ transplant Neurology: Multiple sclerosis Parkinson’s disease and specified atypical Parkinsonian Disorders Dementia, including Alzheimer’s disease Motor neuron disease Benign brain tumour Traumatic brain injury Other Covered Conditions: Coma Blindness Deafness Loss of limbs Loss of speech Paralysis Severe burns Aplastic anemia Bacterial meningitis Occupational HIV infection Loss of independent existence	Cancer: Life-threatening cancer Heart Conditions: Severe heart attack (acute myocardial infarction) Coronary artery bypass surgery Aortic surgery Heart valve replacement or repair Stroke: Stroke (resulting in severe neurological deficits) Organ Failure: Kidney failure Major organ failure on waiting list Major organ transplant Neurology: Multiple sclerosis Parkinson’s disease and specified atypical Parkinsonian Disorders Dementia, including Alzheimer’s disease Motor neuron disease Benign brain tumour Traumatic brain injury Other Covered Conditions: Coma Blindness Deafness Loss of limbs Loss of speech Paralysis Severe burns Aplastic anemia Bacterial meningitis Occupational HIV infection Loss of independent existence
Lump-Sum Benefit Amount¹	$25,000 to $2,000,000	$25,000 to $3,000,000	$25,000 to $3,000,000	$25,000 to $3,000,000	$25,000 to $3,000,000
Coverage Period	Varies, several options	Term 10: 10 years Term 15: 15 years Term 20: 20 years Coverage automatically renews every 10, 15, or 20 years, until age 75.	Term 10: 10 years Term 15: 15 years Term 20: 20 years Coverage automatically renews every 10, 15, or 20 years, until age 75.	Until age 75	Lifetime
Early Assistance Benefit²	Yes	20% of the critical illness insurance benefit up to $50,000.	20% of the critical illness insurance benefit up to $50,000.	20% of the critical illness insurance benefit up to $50,000.	20% of the critical illness insurance benefit up to $50,000.
Expert Medical Services and Specialty Programs by Teladoc Health Canada³	Yes	Yes	Yes	Yes	Yes
Optional Coverages (for Purchase)	Return of premium on death rider Scheduled increase benefit rider Disability waiver of premium rider	Return of Premium on Surrender (ROPS) Return of Premium on Expiry (ROPE) Return of Premium on Death (ROPD) Disability Waiver of Premium⁴	Return of Premium on Surrender (ROPS) Return of Premium on Expiry (ROPE) Return of Premium on Death (ROPD) Disability Waiver of Premium⁴	Return of Premium on Expiry (ROPE) Return of Premium on Surrender (ROPS) Return of Premium on Death (ROPD) Disability Waiver of Premium⁴	Return of Premium on Surrender (ROPS) Return of Premium on Death (ROPD) Disability Waiver of Premium⁴

Premiums
Premiums Guaranteed	Depends on plan option chosen	Premiums increase at each renewal to reflect your age and health at the time your policy renews until age 75.	Premiums increase at each renewal to reflect your age and health at the time your policy renews until age 75.		Premiums are fixed for the life of your policy and will not increase.	Premiums are fixed for the life of your policy and will not increase.
Payment Options	To age 65 or 75, depending on plan option chosen	Payable to age 75	Payable to age 75		Payable to age 75 Payable for 15 years* Payable for 20 years* * Choose a 15-year or 20-year payment option to pay off your plan sooner while keeping your coverage until age 75.	Payable to age 100 Payable for 15 years* Payable for 20 years* * Choose a 15-year or 20-year payment option to pay off your plan sooner while keeping your lifetime coverage.

Legal Disclaimer¹

A critical illness insurance benefit is paid when the insured is diagnosed or undergoes surgery for one of the 26 covered critical illnesses and satisfies any applicable qualifying period, symptom-free period, and survival period, as defined in the policy contract.

Legal Disclaimer²

The lump-sum critical illness benefit is not reduced by the payment of the Early Assistance Benefit.

Legal Disclaimer³

Teladoc Health’s services are available based on RBC Insurance’s relationship with Teladoc Health and are subject to change.

Legal Disclaimer⁴

The Disability Waiver of Premium benefit can be added up to a 2-year period following the issue date on the policy, subject to underwriting.