Critical illness insurance

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:

• Teladoc Medical Experts⁺. Offers access to health care resources, specialists and world renowned experts who will review your medical records to confirm your diagnosis.
• “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 and payable only once) if you are diagnosed with and satisfy the survival period for early prostate, breast or skin cancer or coronary angioplasty.

Provides a lump-sum benefit if you are diagnosed with any of the following critical illnesses or conditions and satisfy the survival period, as defined in the policy:

• 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

• Scheduled Increase Benefit: On every second policy anniversary, your benefit amount increases by 20% of the original amount, for 10 years.
• Disability Waiver of Premium Benefit: After you have been disabled (as defined by the policy) for 90 consecutive days, RBC Insurance will pay the premiums that come due while you are disabled. We also refund the premiums paid during those first 90 days.
• Return of Premium on Death: If you die while the policy is in force, we will refund all of the premiums you have paid.

This is the number of days you must survive, following the diagnosis of a covered critical illness, before a benefit is payable. The minimum survival period for most covered conditions is 30 days, although some covered conditions require a longer period before benefits are payable.

Once the policy is in effect (or reinstated) there is no coverage if you are diagnosed with cancer during the first 90 days. A diagnosis of cancer must be made 91 days or more after the effective date to be covered under the policy.

No benefit will be paid (including any riders), nor will premiums be refunded for any critical illness, death or other loss that results directly or indirectly, from any of the following:

• Self-inflicted injury, attempted suicide or suicide
• Intentional use of any drug, intoxicant, narcotic or poisonous substance⁴
• Participation in war (whether such war is declared or undeclared) or hostile action of the armed forces of any country, insurrection or civil commotion
• Attempt to commit or commission a crime, whether charged or not
• Operation of any land, water or air conveyance which is moved or operated by any means other than muscular power, while the insured’s concentration of alcohol in 100 millilitres of blood exceeds 80 milligrams or while the insured is under the influence of any drug, intoxicant, narcotic or poisonous substance

A non-cancellable plan means that as long as your premiums are paid, we cannot change the provisions or premiums, or cancel the policy.

A guaranteed renewable plan means that as long as your premiums are paid, we cannot cancel the policy. At our discretion, we may change future renewal premiums. However, we cannot change the premium unless we do so for an entire group of policyholders sharing similar characteristics.