Qualifying List of Medical Conditions

Individuals who currently have or have had any of the following illnesses or conditions are ineligible for the Critical Illness Recovery Plan™ policy with RBC Insurance®. If you have had one of the illnesses or conditions below, please speak with an RBC Insurance® advisor to discuss other insurance solutions that may be available to you.

  • AIDS (AIDS-related disease or HIV positive)
  • Alcohol abuse (within past two years)
  • Amyotrophic lateral sclerosis (ALS); known as Lou Gehrig disease
  • Alzheimer disease
  • Angina
  • Angioplasty
  • Blindness (may be excluded)
  • Cancer(4)
  • Chronic hepatitis (other than type A)
  • Chronic kidney disease
  • Colon polyps(5)
  • Coronary artery bypass surgery
  • Cystic fibrosis
  • Deafness (may be excluded)
  • Diabetes (insulin dependent)
  • Heart attack
  • Huntington's chorea
  • Kidney failure
  • Major organ transplant
  • Multiple sclerosis
  • Parkinson disease
  • Peripheral vascular disease
  • Permanent paralysis
  • Primary lateral sclerosis
  • Progressive bulbar palsy
  • Progressive muscular atrophy
  • Progressive pseudo bulbar palsy
  • Sickle cell disease
  • Stroke
  • Systemic lupus erythematosis
  • Transient ischemic attack
  • Valvular heart surgery