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Ineligible Medical Conditions

If you currently have (or have had) any of the following illnesses or conditions, you are ineligible for critical illness insurance with RBC Insurance®. If you have had one of the illnesses or conditions below, please talk to an RBC Insurance advisor to discuss other insurance solutions that may be available to you.

The list varies for each plan—please choose a plan to view the list:

  • AIDS (AIDS-related disease or HIV positive)
  • Alcohol abuse (within past two years)
  • Amyotrophic lateral sclerosis (ALS); known as Lou Gehrig disease
  • Alzheimer disease
  • Angina
  • Angioplasty
  • Blindness (may be excluded)
  • Cancer1
  • Chronic hepatitis (other than type A)
  • Chronic kidney disease
  • Colon polyps2
  • Coronary artery bypass surgery
  • Cystic fibrosis
  • Deafness (may be excluded)
  • Diabetes (insulin dependent)
  • Heart attack
  • Huntington's chorea
  • Kidney failure
  • Major organ transplant
  • Multiple sclerosis
  • Parkinson disease
  • Peripheral vascular disease
  • Permanent paralysis
  • Primary lateral sclerosis
  • Progressive bulbar palsy
  • Progressive muscular atrophy
  • Progressive pseudo bulbar palsy
  • Sickle cell disease
  • Stroke
  • Systemic lupus erythematosus
  • Transient ischemic attack
  • Valvular heart surgery

For definitions of the above illnesses and conditions, please see a sample policy.

  • AIDS (AIDS-related disease or HIV positive)
  • Alcohol abuse (within past two years)
  • Amyotrophic lateral sclerosis (ALS); known as Lou Gehrig disease
  • Angina
  • Angioplasty
  • Cancer1
  • Chronic hepatitis (other than type A)
  • Colon polyps2
  • Coronary artery bypass surgery
  • Cystic fibrosis
  • Diabetes (insulin dependent)
  • Heart attack
  • Huntington's chorea
  • Kidney disease
  • Kidney failure
  • Major organ failure on waiting list
  • Major organ transplant
  • Multiple sclerosis
  • Peripheral vascular disease
  • Permanent paralysis
  • Sickle cell disease
  • Stroke
  • Systemic lupus erythematosus
  • Transient ischemic attack
  • Valvular heart surgery

For definitions of the above illnesses and conditions, please see a sample policy.

1) 
Applicants with certain skin cancers other than melanoma or certain early state cancers may be eligible for coverage. In addition, some forms of testicular cancer may be considered for coverage five years after successful completion of treatment.
2) 
If colon polyps are present, coverage is not available. If colon polyps have been removed and a biopsy performed, coverage may be available depending on the medical details.