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Compare Critical Illness Insurance Plans
Which plan is right for you
Ideal for |
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Ideal if you… |
Want financial protection against a wide range of illnesses and conditions1 and the option to choose a substantial benefit amount |
Want cost-effective financial protection against the three most common critical illnesses and conditions1 |
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Eligibility2 |
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Age eligibility |
18-65 |
18-50 |
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Medical exam required |
May be required |
May be required |
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Coverage and benefits2 |
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Illnesses and Conditions Covered |
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Cancer3, heart attack and stroke |
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Lump-Sum Benefit Amount |
$25,000 to $2,000,000 |
$10,000, $25,000, $50,000 or $75,000 |
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Coverage Period |
Varies, several options |
Renewable up to age 65, at which time coverage ends |
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Early Assistance Benefit |
Yes |
Yes |
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Assistance Services |
Yes |
Yes |
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Long-Term Care Conversion Benefit |
Yes |
No |
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Optional Coverages (for Purchase) |
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Return of premium on death rider |
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Premiums2 |
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Premiums Guaranteed |
Depends on plan option chosen |
Premiums increase every 10 years and are subject to change until age 65 when coverage ends |
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Timeframe to Pay Premiums |
To age 65 or 75, depending on plan option chosen |
To age 65 |
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Benefit is paid when you are diagnosed with a covered critical illness, as defined in the policy, and satisfy the survival period, as defined in the policy.
The information provided herein is for comparison of current product offerings only and does not replace the policy contract. Please refer to the policy contract for a full explanation of benefits, including definitions, benefit amount, optional benefits, exclusions and limitations.
Cancer is defined as the definite diagnosis of a tumour characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. The diagnosis of Cancer must be made by a specialist. Exclusion: No critical illness benefit will be payable under Cancer for: carcinoma in situ; Stage 1A malignant melanoma (melanoma less than or equal to one millimetre (1.0 mm) in thickness, not ulcerated and without Clark level IV or level V invasion); any non-melanoma skin cancer that has not metastasized; or Stage A (T1a or T1b) prostate cancer.
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