Critical Illness Insurance

For advice on insurance, investments and savings

Speak to an advisor

1 855 896-9495

8:30 a.m. to 5:00 p.m. Monday to Friday

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Discover our range of critical illness insurance products with our new renewable and convertible fixed term products.

Get access to a complete offering of coverages linked to critical illness in the same place.

2 in 5 Canadians will develop cancer during their lifetime.

Canadian Cancer Society, 2014

We often prefer to think that critical illness happens only to other people until our own lives are turned upside down by such a diagnosis.

Give yourself the means to maintain a normal life without having to worry about the financial impacts of a critical illness.

Second Chance products

Receive a tax-free, lump sum payment if you survive for at least 30  days following the diagnosis of a covered illness or following a covered surgery.

Comparison table – Critical Illness Insurance products
  Fixed Term Critical Illness insurance T75 Critical Illness insurance Simplified Critical Illness insurance Children's Critical Illness insurance
Features

Encompasses 25 different illnesses, surgeries and conditions

Renewable and convertible fixed terms of 

10, 20, 25, 30, and 35 years
Encompasses 25 different illnesses, surgeries and conditions Encompasses 6 different illnesses, surgeries and conditions Encompasses 28 different illnesses, surgeries and conditions as soon as your child is 30 days old.
Documents Leaflet (PDF - 8 pages) Leaflet (PDF - 8 pages) Leaflet (PDF - 8 pages) Leaflet (PDF - 8 pages)
Best DoctorsTM Yes Yes Yes Yes
Succession Advantage Yes Yes Yes Yes
Accidental Fracture Rider Yes Yes Yes Yes

 

List of covered illnesses, surgeries or conditions

List of illnesses, surgeries and conditions
Fixed Term Critical Illness insurance T75 Critical Illness insurance Simplified Critical Illness insurance Children's Critical Illness insurance

Cerebrovascular accident (stroke)

Aortic surgery

Coronary surgery

Heart attack (myocardial infarction)

Heart valve replacement

Cancer (life-threatening)

Benign brain tumor

Major organ transplant

Major organ failure on waiting list

Kidney failure

Coma

Aplastic anemia

Alzheimer’s disease

Motor neuron disease

Parkinson’s disease

Paralysis

Multiple sclerosis

Bacterial meningitis

Severe burns

Blindness

Occupational HIV infection

Speech loss

Loss of limbs

Deafness

Loss of autonomy

Cerebrovascular accident (stroke)

Aortic surgery

Coronary surgery

Heart attack (myocardial infarction)

Heart valve replacement

Cancer (life-threatening)

Benign brain tumor

Major organ transplant

Major organ failure on waiting list

Kidney failure

Coma

Aplastic anemia

Alzheimer’s disease

Motor neuron disease

Parkinson’s disease

Paralysis

Multiple sclerosis

Bacterial meningitis

Severe burns

Blindness

Occupational HIV infection

Speech loss

Loss of limbs

Deafness

Loss of autonomy

Cerebrovascular accident (stroke)

Coronary surgery

Heart attack (myocardial infarction)

Cancer (life-threatening)

Coma

Paralysis

Covered childhood illnesses

  • Autism1
  • Type 1 diabetes2
  • Muscular dystrophy2
  • Cystic fibrosis2
  • Cerebral palsy

Other insured illnesses and surgical procedures

  • Life-threatening cancer
  • Bacterial meningitis
  • Blindness
  • Coma
  • Major organ transplant on waiting list
  • Major organ transplant
  • Kidney failure
  • Paralysis
  • Deafness
  • Loss of speech
  • Severe burns
  • Loss of limb
  • Benign brain tumor
  • Cerebrovascular accident (stroke)3
  • Coronary surgery***
  • Heart attack (myocardial infarction)3
  • Occupational HIV infection3
  • Alzheimer’s disease3
  • Parkinson’s disease3
  • Multiple sclerosis3
  • Motor neuron disorder3
  • Aortic surgery3
  • Heart valve replacement3

1 Diagnosed before the child's 3rd birthday.
2 Diagnosed before the child's 18th birthday.
3 These illnesses generally occur in adulthood, but the child remains covered right from contract issue for the entire duration of the contract, i.e. until age 75.

Best Doctors

All Second Chance products include the Best Doctors™ assistance service free of charge.Get a medical assessment andaccess to the best doctors and specialists, anytime and anywhere in the world.

Consult our Simplified Second Chance flyer (PDF - 2 pages)
Consult our Second Chance flyer (PDF - 8 pages)
Consult our Second Chance for Children flyer (PDF - 8 pages)

Get greater coverage in a single contract

Take advantage of our bundled insurance products, priced to meet your budget.

The Family Plan

Quebec public service
employees and retirees:
Exclusive advantages
are in store for you!

Find out more

Get advice on insurance, savings and investments

Talk to an advisor

1 855 896-9495

8:30 a.m. to 5:00 p.m. Monday to Friday

Email us