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Critical Illness Insurance

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An important part of every financial plan, critical illness insurance provides a lump-sum, tax-free benefit upon diagnosis of a covered condition.

Critical illness insurance was designed by Dr. Marius Barnard back in 1983. He saw a need for an insurance policy that paid a “living benefit” to people who survived a major illness, to offset the lost income and to pay for additional expenses.

Here’s why you need this

Most people have long-term disability insurance coverage through their employer. But most don’t realize that the waiting period is 4 months, and even if you qualify, you won’t receive your 1st cheque til the end of the next month. That’s 5 months without an income coming in!

Who will pay your bills if you get sick? Your mortgage, food, car payments, cell phone?

Recent
Stats

Cancer

  • an estimated 206,200 new cases of cancer in 2017
  • 1 in 3 women and 1 in 2.5 men will develop cancer in their lifetime

Heart Attacks

  • 63,200 Canadians suffer a heart attack each year

Stroke

  • 62,000 Canadians suffer a stroke each year
  • Every 7 minutes in Canada, someone dies from heart disease or stroke.
  • About 80% of the claims are for individuals that have a heart attack, stroke or cancer.

We can get you up to $75,000 of coverage if you suffer a life threatening Cancer, Heart Attack, Stroke, Bypass or Aortic Surgery with a simple health declaration.

Or we can get coverage for 25 covered conditions, such as:

  • Acquired Brain injury
  • Life-Threatening Cancer
  • Aortic Surgery
  • Loss of Limbs
  • Aplastic Anaemia
  • Loss of Speech
  • Bacterial Meningitis
  • Major Organ Failure on Waiting List
  • Benigh Brain Tumour
  • Major Organ Transplant
  • Blindness
  • Motor Neuron Disease
  • Coma
  • Multiple Sclerosis
  • Coronary Artery Bypass Surgery
  • Occupational HIV Infection
  • Deafness
  • Paralysis
  • Demenita, including Alzheimer’s Disease
  • Parkinson’s Disease and Specified Disorder’s
  • Heart Attack
  • Severe Burns
  • Heart Valve Replacement
  • Stroke
  • Kidney Failure

Every policy comes with Best Doctors

best doctors
Click here to Learn More

Best Doctors provides you and your dependants access to medical specialists who can help you get an accurate diagnosis and better understand medical conditions and treatment options. During the life of the policy, you can use these services at any time for any medical condition, not just for conditions included as part of your policy. Eligible dependants include spouse, children under the age of 21 and children up to the age of 25 if full-time students. Founded by Harvard Medical School physicians, Best Doctors has access to a global network of 50,000 peer-nominated physicians who represent the top five per cent of specialists in their fields.

Services provided to you: InterConsultationSM – is more than just a second opinion. Medical specialists perform an in-depth analysis of your medical records, including x-rays, test results, imaging scans and pathology samples. They’ll provide you an expert’s detailed summary of the findings, which you can share with your physician in order to determine the proper treatment path. FindBestDocSM – a personalized search conducted to identify peer-nominated specialists within Canada taking into account your unique medical history, geographic location and condition. You’ll receive a comprehensive physician-search report that includes biographies and credentials. FindBestCareSM – if your medical condition requires treatment outside Canada, they will coordinate a search of their global database of physicians in more than 450 specialties and sub-specialties to find the expert(s) best suited to your needs. You’ll receive up to three recommendations for leading physicians. Best Doctors 360°® – get help navigating the Canadian health care system and find the resources and information you need.

If you have questions or concerns about your health, they’ll provide you with personalized information, such as condition-specific articles, websites, physician biographies and contact information for specialists and facilities in your community. Ask the ExpertSM – your medical questions will be sent to a leading physician who specializes in your condition. They’ll send you a written report addressing your questions so that you can better understand your condition and make well-informed decisions about your health.

Manulife offers a guaranteed coverage plan covering life-threatening cancer, heart attack, stroke, coronary artery bypass surgery, or aortic surgery.

Would you like to find out more, or get obtain a quote?