Critical Illness Plan Details

Explore Critical Illness Plan Features

Coverage Amount

We offer a wide range of coverage amounts from $5,000 to $150,000.

Covered Conditions

We will provide a lump sum payment based on your chosen coverage amount for the following conditions:
  • Alzheimer’s disease
  • Aorta surgery
  • Benign brain tumor
  • Blindness
  • Cancer
  • Coma
  • Coronary artery bypass surgery
  • Deafness
  • Dismemberment
  • Heart attack
  • Heart valve replacement
  • Loss of speech
  • Major organ failure
  • Major organ transplant
  • Motor neuron disease
  • Multiple sclerosis
  • Occupational HIV Infection
  • Paralysis
  • Parkinson’s disease
  • Severe burns
  • Stroke
  • Three Limited Covered Conditions: 
    DCIS, Early stage prostate cancer, Loss of independence.

Duration of coverage

The Critical Illness Plan provides coverage up to age 75.


To qualify for coverage up to $50,000 there are just 2 criteria:
  • Be between the ages of 18-69
  • Have a permanent Canadian address
To qualify for coverage over $50,000 and up to $150,000:
  • Be between the ages of 18-69
  • Have a permanent Canadian address
  • Answer 6 qualifying health questions

Second event benefit

Your coverage does not stop after a claim. You are eligible to submit a claim for another critical illness if the first claim was for cancer or cardiovascular condition.

Policy Exclusions

This plan will not provide a payout under the following circumstances:
  • If the policy holder dies in the first 30 days.
  • The benefit will not be paid for any pre-existing
  • In the first two years only, an illness caused by a
    pre-existing condition will not be covered.
  • In the first 90 days cancer will not be covered.
  • Suicide or any intentionally self-inflicted injury.
  • Declared or undeclared war, or any act of war,
    terrorism, riot or insurrection, or service in the
    armed forces of any country, government or
    international organization.
  • A complication of Human Immunodeficiency
    Virus (HIV) infection.
  • Committing or attempting to commit a criminal
    offense, or while in prison.
  • The misuse of medication, or the abuse of drugs or intoxicants, or from having a blood alcohol level of 80 milligrams of alcohol in 100 milliliters of blood.

How can the benefit be

The tax-free lump sum benefit can be used as follows:
  • Supplement lost income to avoid digging into savings.
  • Pay for medical bills and medication not covered by provincial healthcare.
  • Payout debts to ease financial burden, so you can focus on recovery.
  • Cover upgraded medical facilities, such as private hospital rooms.
  • Cover travel and accommodations needed for specialized treatments.

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    Want to know more about Critical Illness Insurance?

    Visit our knowledge centre for answers to your most common questions.
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