Your client’s employees will not be expecting the unexpected.

Rest assured, we will.

Group Critical Illness

Group Critical Illness (CI) insurance has evolved from a specialty insurance product and is increasingly becoming an integral part of employer group benefits plans. Research has shown that a significant number of Canadians will face the challenge of a critical illness in their lifetime.

Statistics have shown that:

  • 2 in 5 Canadians will be diagnosed with cancer in their lifetime. 75% will survive.*

  • Half of new cancer cases will be lung, breast, colorectal, and prostate cancer.*

  • 9 in 10 Canadians have at least one risk factor for heart disease or stroke.**

  • 95% of Canadians who make it to hospital after a heart attack survive.***

    * Canadian Cancer Society 2022 ** Heart and Stroke 2022 *** Heart and Stroke 2017

How can your group benefit from Critical Illness insurance?

Everyone should plan for their financial security because no one is immune to illness. Critical Illness (CI) insurance provides a lump-sum benefit when the insured person is diagnosed with one of the covered critical illnesses.

Advantages of choosing Critical Illness coverage

  • It is a living benefit

  • Provides a tax-free lump sum

  • The benefit can be used at the insured’s discretion

  • CI coverage is complementary to other group benefits

  • Full recovery does not impact payment of the benefit

Plan Features

  • 31 covered conditions or customize to suit your needs

  • Multiple event coverage

  • Cancer recurrence benefit

  • Second medical opinion

Covered Critical Illnesses (insured employee and insured spouse)

  1. Alzheimer’s disease

  2. Aortic surgery

  3. Aplastic anemia

  4. Bacterial meningitis

  5. Benign brain tumour

  6. Blindness

  7. Cancer (life-threatening)

  8. Coma

  9. Coronary artery bypass surgery

  10. Deafness

  11. Dilated cardiomyopathy

  12. Fulminant viral hepatitis

  13. Heart attack

  14. Heart valve replacement

  15. Kidney failure

  16. Liver failure of advanced stage

  17. Loss of independent existence

  18. Loss of limbs

  19. Loss of speech

  20. Major organ failure on waiting list

  21. Major organ transplant

  22. Motor neuron disease

  23. Multiple sclerosis

  24. Muscular dystrophy

  25. Occupational HIV infection

  26. Paralysis

  27. Parkinson’s disease

  28. Primary pulmonary hypertension

  29. Progressive systemic sclerosis

  30. Severe burns

  31. Stroke (cerebrovascular accident)

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