Critical Illness Insurance is a supplemental product which lifts the burden of the financial and emotional stress associated with a critical illness diagnosis.  If a member suffers a Life Threatening Cancer, Heart Attack, Kidney Renal Failure, Stroke or Coronary Artery Bypass Graft, a lump sum can be given to the suffering member while they are still alive.

Benefit Payment Conditions
Payment of benefits upon the first diagnosis of the critical illnesses listed below is subject to the following:

  • the Insured Person survives for at least 90 days after first diagnosis of Life Threatening Cancer and 30 days after first diagnosis of any other critical illness;
  • the diagnosis is made within Canada;
  • the diagnosis is made while the Insured Person’s coverage is in force under the policy; and payment is not precluded by any general or specific exclusion or limitation set forth in this policy or any failure to meet any condition precedent set out below.