If you’re worried how you or your family would cope financially in the event that you are diagnosed with a serious illness, Critical Illness Insurance is the simple, affordable solution that lets you focus on your recovery.
Providing you with a one-time, lump-sum benefit after you are diagnosed with cancer, suffer a heart attack or stroke, or undergo coronary bypass or aortic surgery. This lump-sum benefit can be used on anything you choose and is paid directly to you.
- The coverage options available:
- Age 18-55 – $25,000, $50,000 or $75,000
- Age 56-60 – $25,000 or $50,000
- Age 61-65 – $25,000
- Covers five of the most common critical illnesses and conditions: Cancer (Life-Threatening), Heart Attack, Stroke, Coronary Artery Bypass Surgery and Aortic Surgery. The illness does not need to be terminal.1
- No medical exam or questions when you apply: a simple health declaration is all that is required
- Insurance rates are locked in for 5 years
- Return of premium option available up to age 55 as an add-on
- Guaranteed renewable up to age 75
- Tax-free, lump-sum benefit paid directly to you
No benefit will be payable under this condition for the following non-life-threatening cancers:
- carcinoma in situ; or
- Stage 1A malignant melanoma (melanoma less than or equal to 1.0 mm in thickness, not ulcerated and without Clark level IV or level V invasion); or
- any non-melanoma skin cancer that has not metastasized; or
- Stage A (T1a or T1b) prostate cancer.
No benefit will be payable under this condition if within the first 90 days following the later of:
- the effective date of the policy; or
- the effective date of the last reinstatement of the policy.
If the insured person has any of the following:
- signs, symptoms or investigations, that lead to a diagnosis of cancer (covered or excluded under the policy), regardless of when the diagnosis is made;
- a diagnosis of cancer (covered or excluded under the policy).
This medical information as described above must be reported to the Company within 6 months of the date of the diagnosis. If this information is not provided, the Company has the right to deny any claim for cancer or, any critical illness caused by any cancer or its treatment. The insured must survive for a period of 30 days following the date the condition is diagnosed in order for the benefit to be paid. Please refer to the Cancer (Life-Threatening) section in the sample policy for details (PDF).
No benefit will be payable under this condition for:
- elevated biochemical cardiac markers as a result of an intra-arterial cardiac procedure including, but not limited to, coronary angiography and coronary angioplasty, in the absence of new Q waves; or
- ECG changes suggesting a prior myocardial infarction, which do not meet the heart attack definition. Please see sample policy for more information (PDF).
The insured must survive for a period of 30 days following the date the condition is diagnosed in order for the benefit to be paid. Please refer to the Heart Attack section in the sample policy for full details (PDF).
No benefit will be payable under this condition for:
- transient ischaemic attacks; or
- intracerebral vascular events due to trauma; or
- lacunar infarcts which do not meet the definition of stroke as described in the sample policy (PDF).
The insured must survive for a period of 30 days following the date of the surgery in order for the benefit to be paid. Please refer to the Coronary Artery Bypass Surgery section in the sample policy for full details (PDF).
The insured must survive for a period of 30 days following the date of the surgery in order for the benefit to be paid. Please refer to the Aortic Surgery section in the sample policy for full details (PDF).
The Return of Premium Option will not be payable where the insured has survived the waiting period for a covered condition at the time of expiry of the policy and the benefit is payable. The Return of Premium Option may only be purchased when the insured is between the ages of 18 and 55 and must be purchased at the same time as the original coverage.
No benefit will be payable if the insured suffers a covered condition which results directly or indirectly from, or is in any way associated with:
- intentional self-inflicted injuries;
- intentional use or intake by the insured of:
- any prescription drug or narcotic other than as instructed by a physician;
- any drug or narcotic legally available for sale in Canada without a prescription, other than as recommended by the manufacturer;
- any drug or narcotic not legally available in Canada; or
- any poisonous substance or intoxicant, including alcohol.
- committing or attempting to commit a criminal offence;
- operation of a motor vehicle while the concentration of alcohol in 100 milliliters of blood exceeds 80 milligrams.
No benefit will be payable if the insured suffers a covered condition at any time during the 24-month period following the effective date of the policy or the date of the last reinstatement which results directly or indirectly from, or is in any way associated with, a pre-existing condition.
A pre-existing condition is an illness or condition for which, during the 24-month period prior to the effective date of the policy, the insured was diagnosed or was treated, hospitalized or attended to by a physician or was advised to seek treatment or consult a physician; was prescribed or took medication; showed indications, signs or symptoms or underwent tests or investigations.
No benefit will be payable where a covered condition is diagnosed in a jurisdiction other than Canada or the United States, unless the insured makes all requested medical records available to the insurer and the insurer is satisfied that:
- the same diagnosis would have been made if the covered condition had occurred in Canada or the United States;
- the physician making the diagnosis was licensed to practice in the jurisdiction in which the diagnosis was made and had medical credentials equal to those required in Canada or the United States;
- the diagnosis is fully supported by all appropriate diagnostic tests and other investigation which would normally be undertaken in Canada or the United States (including those required by the policy); and
- the same type of surgery or procedure as required under the policy in order for the benefit to be payable would have been advised if the diagnosis had been made in Canada or the United States.
Coverage ends automatically once a benefit for a covered condition has been paid.
This is not a contract. Actual terms and conditions are detailed in the policy issued by Manulife upon final application approval. It contains important details concerning exclusions, conditions and limitations. It is important that you read your insurance policy when you get it to understand exactly what you are covered for.
See the sample policy for detailed information on benefits, limitations and exclusions. View Critical Illness Insurance policy (PDF)
Canadian residents aged 18-65 are eligible.
For $50,000 of coverage, multiply rates by 2 and for $75,000 of coverage, multiply rates by 3.†
| Age3 | Male | Female |
|---|---|---|
| 18 | $6.00 | $7.00 |
| 19 | $6.00 | $7.00 |
| 20 | $6.25 | $7.00 |
| 21 | $6.25 | $7.25 |
| 22 | $6.25 | $7.25 |
| 23 | $6.25 | $7.25 |
| 24 | $6.50 | $7.50 |
| 25 | $6.50 | $7.50 |
| 26 | $6.50 | $7.50 |
| 27 | $6.50 | $7.75 |
| 28 | $7.00 | $7.75 |
| 29 | $7.25 | $8.00 |
| 30 | $7.50 | $8.25 |
| 31 | $7.75 | $8.50 |
| 32 | $8.00 | $8.75 |
| 33 | $8.25 | $9.00 |
| 34 | $8.50 | $9.75 |
| 35 | $8.75 | $10.25 |
| 36 | $9.00 | $11.00 |
| 37 | $9.25 | $11.50 |
| 38 | $10.00 | $12.25 |
| 39 | $10.50 | $12.75 |
| 40 | $11.00 | $13.25 |
| 41 | $11.75 | $14.00 |
| 42 | $12.50 | $14.50 |
| 43 | $13.75 | $15.50 |
| 44 | $15.50 | $16.25 |
| 45 | $17.00 | $17.25 |
| 46 | $18.75 | $18.25 |
| 47 | $21.00 | $19.25 |
| 48 | $23.00 | $21.25 |
| 49 | $24.75 | $23.50 |
| 50 | $27.25 | $26.00 |
| 51 | $29.75 | $28.75 |
| 52 | $32.50 | $31.75 |
| 53 | $36.00 | $33.25 |
| 54 | $40.00 | $35.00 |
| 55 | $44.50 | $36.75 |
| 56 | $49.25 | $38.50 |
| 57 | $54.50 | $40.50 |
| 58 | $59.75 | $43.25 |
| 59 | $65.25 | $46.25 |
| 60 | $71.50 | $49.50 |
| 61 | $78.25 | $53.00 |
| 62 | $85.50 | $56.50 |
| 63 | $89.00 | $60.75 |
| 64 | $92.25 | $65.25 |
| 65 | $96.25 | $70.25 |
| 66* | $100.00 | $75.50 |
| 67* | $104.00 | $81.25 |
| 68* | $113.00 | $88.50 |
| 69* | $123.00 | $96.25 |
| 70* | $133.75 | $104.50 |
| 71* | $145.25 | $113.50 |
| 72* | $158.00 | $123.50 |
| 73* | $171.75 | $134.25 |
| 74* | $186.50 | $146.00 |
| 75 | Coverage expires | |
Please note that plan rates are not guaranteed and are subject to change at any time if you are not insured. Once insured, rates are guaranteed to remain the same throughout the duration of your term.
*Renewal rates only
†The eligible issue ages of the insured are from age 18 to 65 inclusive for sum insured of $25,000, 18 to 60 inclusive for $50,000, and 18 to 55 inclusive for $75,000.
2 A non-smoker is defined as a person who has not used any tobacco, nicotine substitutes or tobacco cessation products within the last 12 months.
3 Age means the age attained by the applicant (member or spouse) as of the first Premium Due Date.
Rates are subject to change upon renewal.
For $50,000 of coverage, multiply rates by 2 and for $75,000 of coverage, multiply rates by 3.†
| Age3 | Male | Female |
|---|---|---|
| 18 | $7.50 | $7.75 |
| 19 | $7.50 | $7.75 |
| 20 | $7.50 | $8.00 |
| 21 | $7.50 | $8.00 |
| 22 | $7.50 | $8.00 |
| 23 | $7.50 | $8.00 |
| 24 | $7.50 | $8.25 |
| 25 | $7.50 | $8.25 |
| 26 | $7.50 | $8.25 |
| 27 | $7.50 | $8.75 |
| 28 | $8.00 | $9.00 |
| 29 | $8.75 | $9.25 |
| 30 | $9.50 | $9.50 |
| 31 | $10.00 | $9.75 |
| 32 | $11.00 | $10.00 |
| 33 | $11.75 | $10.75 |
| 34 | $12.75 | $11.25 |
| 35 | $13.50 | $11.75 |
| 36 | $14.75 | $12.50 |
| 37 | $16.00 | $13.00 |
| 38 | $17.00 | $14.75 |
| 39 | $18.25 | $16.50 |
| 40 | $19.75 | $18.75 |
| 41 | $21.25 | $21.00 |
| 42 | $22.75 | $24.00 |
| 43 | $25.75 | $26.50 |
| 44 | $29.00 | $29.25 |
| 45 | $32.75 | $32.00 |
| 46 | $36.75 | $35.50 |
| 47 | $41.00 | $39.25 |
| 48 | $47.75 | $42.50 |
| 49 | $55.25 | $46.00 |
| 50 | $63.75 | $50.00 |
| 51 | $74.00 | $54.25 |
| 52 | $85.75 | $58.50 |
| 53 | $96.25 | $64.75 |
| 54 | $107.75 | $71.00 |
| 55 | $120.75 | $78.25 |
| 56 | $135.25 | $86.00 |
| 57 | $151.25 | $94.75 |
| 58 | $159.00 | $100.50 |
| 59 | $167.50 | $106.25 |
| 60 | $176.25 | $112.50 |
| 61 | $185.00 | $119.25 |
| 62 | $194.50 | $126.50 |
| 63 | $203.00 | $133.50 |
| 64 | $211.25 | $141.00 |
| 65 | $220.25 | $148.75 |
| 66* | $229.75 | $157.00 |
| 67* | $239.25 | $166.00 |
| 68* | $260.25 | $180.50 |
| 69* | $283.00 | $196.00 |
| 70* | $307.75 | $213.50 |
| 71* | $334.75 | $231.75 |
| 72* | $363.75 | $252.00 |
| 73* | $395.50 | $274.25 |
| 74* | $430.25 | $298.25 |
| 75 | Coverage expires | |
Please note that plan rates are not guaranteed and are subject to change at any time if you are not insured. Once insured, rates are guaranteed to remain the same throughout the duration of your term.
*Renewal rates only
†The eligible issue ages of the insured are from age 18 to 65 inclusive for sum insured of $25,000, 18 to 60 inclusive for $50,000, and 18 to 55 inclusive for $75,000.
2 A non-smoker is defined as a person who has not used any tobacco, nicotine substitutes or tobacco cessation products within the last 12 months.
3 Age means the age attained by the applicant (member or spouse) as of the first Premium Due Date.
Rates are subject to change upon renewal.
Our 30-day guarantee
If, for any reason, the coverage you purchased to help protect you and your loved ones does not satisfy your needs, you may simply request a refund within 30 days of receiving your policy. Any premiums paid for the coverage will be promptly refunded.4
Ready to apply for Critical Illness?
Any type of expenses you decide to spend on while you focus on recovery. For example, this benefit can be used toward travel expenses for special treatments, private medical care and to pay down your mortgage or debt.
You and your family members can quickly and easily get answers to your medical questions and access to support services. Access isn’t dependent upon making a claim – it’s available immediately not only for you, the insured, but for all of your eligible family members too! For more information, visit www.manulifehealth.ca.
- Your doctor has made a diagnosis, but you want a second opinion.
- You want to know how long you will have to wait for surgery and whether there is a faster way to get it.
- You want more information about a prescription drug.
- You need to find a family doctor available in your area.
- You want to make the most of your appointment with a new medical specialist.
- You need to know what health resources are available in your area.
- You want to know what health expenses are covered under your government health plan.
- You want to understand a medical condition and your treatment options.
No. Only the diagnosis of the covered illness is required to receive insurance benefits. (Provided all other conditions of the policy are met.)
Take action
Need Assistance?
Speak to a friendly and knowledgeable advisor.
Call 1-888-334-4561
Monday to Friday, from
8 a.m. to 8 p.m. ET
or email am_info@manulife.ca.
†The eligible issue ages of the insured are from age 18 to 65 inclusive for sum insured of $25,000, 18 to 60 inclusive for $50,000, and 18 to 55 inclusive for $75,000.
1 Provided all other conditions of the policy are met.
4 The insured may, within thirty (30) days after receiving this policy, return it to the address below for cancellation. The policy will be considered never to have come into effect and any premium paid up to the end of the 30-day examination period will be refunded in a one-time lump sum. This right of cancellation expires thirty (30) days after the policy is received by the insured and does not apply to any reissued, substituted or consolidated policy continuing coverage that commenced under a previously issued policy. The rights of any beneficiary under the policy are subject to this right of cancellation.