Critical Illness Insurance


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2 in 5 Canadians will develop cancer during their lifetime.

Canadian Cancer Society, 2014

We have a tendency to think that critical illness only happens to other people until our own lives are turned upside down following a serious diagnosis.

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

Second Chance

Receive a tax-free lump sum payment if you survive for at least 30 days following the date of diagnosis of an insured critical illness or surgical procedure.

Critical Illness Insurance Product Comparative Table
  Simplified Second Chance Extended Second Chance Second Chance for Children
Features Covers 6 illnesses, surgeries and conditions. Covers 25 illnesses, surgeries and conditions. Covers 27 illnesses, surgeries and conditions from the time your child is 30 days old.
Documents Leaflet (PDF - 8 pages) Leaflet (PDF - 8 pages) Leaflet (PDF - 8 pages)
Best DoctorsTM Yes Yes Yes
Succession Advantage Yes Yes Yes
Accidental fracture rider Yes Yes Yes


List of covered illnesses, surgeries or conditions

List of covered illnesses, surgeries or conditions
Simplified second chance Extended second chance Second chance for children

Cerebrovascular accident (Stroke)

Coronary artery bypass surgery

Heart attack

Potentially fatal cancer




Aortic surgery

Coronary surgery

Heart attack (myocardial infarction)

Heart valve replacement

Life-threatening cancer

Benign brain tumor

Major organ transplant

Major organ transplant on waiting list

Kidney failure


Aplastic anemia

Alzheimer’s disease

Motor neuron disorder

Parkinson’s disease


Multiple sclerosis

Bacterial meningitis

Severe burns


Occupational HIV infection

Loss of speech

Loss of limb


Loss of autonomy

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 DoctorsTM. assistance service free of charge. Benefit from a trusted medical opinion from the best doctors and specialists at any time, anywhere in the world.

See our Second Chance leaflet (PDF - 2 pages)
See our Extended Second Chance leaflet (PDF - 8 pages)
See our Second Chance for Children leaflet (PDF - 8 pages)

Get more coverage in one contract

Benefit from the bundling of insurance products at a budget-friendly cost.

The Family Plan



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

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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