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  Critical Illness Recovery Plan Critical Illness Insurance Plan
Ideal if You Want financial protection against a wide range of illnesses and conditions1 and the option to choose a substantial benefit amount Want cost-effective financial protection against the three most common critical illnesses and conditions1
– Eligibility2
Age Eligibility 18-65 18-50
Medical Exam Required May be required May be required
– Coverage and Benefits2
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

Note: Policy will include definitions.

Cancer3, heart attack and stroke
Lump-Sum Benefit Amount $25,000 to $2,000,000 $10,000, $25,000, $50,000 or $75,000
Coverage Period Varies, several options Renewable up to age 65, at which time coverage ends
Early Assistance Benefit Yes Yes
Assistance Services
(Best Doctors® services, Daily Living Assistance and "The Healing Journey" program)
Yes Yes
Long-Term Care Conversion Benefit Yes No
Optional Coverages (for Purchase)
  • Return of premium on death rider
  • Scheduled increase benefit rider
  • Disability waiver of premium rider
  • Return of premium on death rider
– Premiums2
Premiums Guaranteed Depends on plan option chosen Premiums increase every 10 years and are subject to change until age 65 when coverage ends
Timeframe to Pay Premiums To age 65 or 75, depending on plan option chosen To age 65

Benefit is paid when you are diagnosed with a covered critical illness, as defined in the policy, and satisfy the survival period, as defined in the policy.
The information provided herein is for comparison of current product offerings only and does not replace the policy contract. Please refer to the policy contract for a full explanation of benefits, including definitions, benefit amount, optional benefits, exclusions and limitations.
Cancer is defined as the definite diagnosis of a tumour characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. The diagnosis of Cancer must be made by a specialist. Exclusion: No critical illness benefit will be payable under Cancer for: carcinoma in situ; Stage 1A malignant melanoma (melanoma less than or equal to one millimetre (1.0 mm) in thickness, not ulcerated and without Clark level IV or level V invasion); any non-melanoma skin cancer that has not metastasized; or Stage A (T1a or T1b) prostate cancer.
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