Protect yourself against the costs of a critical illness

With the costs of a critical illness such as stroke or cancer rising, you might be more confident of surviving an illness physically than you are financially. That’s where Critical Illness Insurance comes in. It can fill in the gaps left by your government and employer health plans, so you can put aside financial concerns and focus on your health. Critical Illness Insurance can help:

  • Fill in the gaps in your government health coverage. Make up for what the government doesn’t cover, including seeking treatment in the U.S. to avoid waiting lists here.
  • Provide support beyond employer health plans. Decrease the out-of-pocket responsibility left by your employer health plan.
  • Provide help for the self-employed. Get help with co-pays and deductibles if you don’t have employer-provided coverage.
  • Overcome loss of income. Help make up for you – or your spouse – having to take time off work for treatment, care or recovery.
  • Cover unanticipated costs. Prescriptions, medical supplies, childcare, house cleaning, transportation to and from treatment, meals and many more expenses can be covered.

Critical Illness Insurance covers 6 common critical illnesses and conditions:

  • Life-threatening cancer
  • Heart attack (myocardial infarction)
  • Stroke
  • Kidney failure
  • Coronary artery bypass surgery
  • Major organ transplant

Benefits

You and your spouse can each apply for coverage from $25,000 to $250,000, in $25,000 increments (pay 10% less for coverage of $125,000 or more). The amount of your coverage is paid directly to you, to spend as you please, after a 30-day survival period following the first diagnosis of a specified covered condition or such longer period as specified in the policy.

Return of Premium

If the insured individual dies while his or her coverage is still in force and has not received (or is not eligible for) a payment of the Critical Illness benefit, a return of premium on the death benefit will be payable to the estate of that individual. This benefit will be equal to 100% of the premium paid for that individual’s coverage under this plan, up to the date of death.

Health Service Navigator® (included at no extra cost)

With Health Service Navigator®, you and your family members can quickly and easily get answers to your medical questions and access to support services. And 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!

Available online or by calling a dedicated representative, you can receive information, medical coordination services and resources on how to navigate the Canadian health care system. And, if you want a second opinion from a world-class hospital, Health Service Navigator will help you get it too. www.manulifehealth.ca

Health Service Navigator® is managed by a team of professionals, so you can be sure that the information and resources it provides are credible and current.

How Health Service Navigator® can help you and your family

  • 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 treatment options. 

World-Class Medical Second Opinions

The second-opinion provider, WorldCare® Inc., specializes in medical advisory assistance. Your diagnosis and treatment plans are evaluated confidentially and securely by world-class specialists at top-ranked hospitals – all without you having to leave your home.

Medical Coordination Services

If you or an eligible dependant receive a second opinion and decide to travel to the United States for medical treatment, WorldCare® Inc. provides help with the arrangements and coordination of appointments.

Health Service Navigator® is offered through service providers Novus Health® and WorldCare® Inc.

No benefit is payable for a covered condition that results from:

  • Committing of a criminal offence
  • Operating of a motor vehicle while intoxicated
  • Self-inflicted injuries
  • Using alcohol, drugs or toxic substances
  • Acts of war

No benefit will be paid unless the insured individual survives for a period of 30 days following the first diagnosis of a covered condition or such longer period as specified in the policy. Cancer is not covered within the first 90 days. This 90-day waiting period begins on the date you are approved for coverage.

Certain forms of skin cancer, cancer in situ, T1A and T1B prostate cancer, or tumours in the presence of the Human Immunodeficiency Virus (HIV) are not covered. Stroke is not covered if it results from external trauma.

  • Must be between age 18 and 65 inclusive
  • Must be a Canadian resident

Once covered under the plan, you can keep Critical Illness coverage to age 70.

Rates

Monthly premium per $25,000 of Critical Illness Insurance – non-smokers2
Age¹ Male Female
18 to 25 $6.71 $6.49
26 $6.88 $6.68
27 $7.06 $6.88
28 $7.24 $7.09
29 $7.43 $7.31
30 $7.62 $7.53
31 $7.86 $7.81
32 $8.10 $8.11
33 $8.36 $8.41
34 $8.62 $8.73
35 $8.89 $9.06
36 $9.10 $9.41
37 $9.32 $9.77
38 $9.54 $10.15
39 $9.77 $10.54
40 $10.00 $10.94
41 $10.73 $11.64
42 $11.51 $12.38
43 $12.34 $13.17
44 $13.23 $14.02
45 $14.19 $14.91
46 $15.37 $15.55
47 $16.65 $16.23
48 $18.03 $16.93
49 $19.53 $17.66
50 $21.15 $18.42
51 $23.23 $19.50
52 $25.51 $20.65
53 $28.01 $21.86
54 $30.76 $23.14
55 $33.77 $24.50
56 $36.64 $25.95
57 $39.75 $27.49
58 $43.13 $29.11
59 $46.79 $30.83
60 $50.77 $32.65
61 $53.04 $34.77
62 $55.42 $37.02
63 $57.90 $39.42
64 $60.49 $41.97
65 $63.20 $44.69
663 $68.57 $47.33
67 to 693 $73.94 $49.96

Five-year Premium Guarantee: These rates are guaranteed for 5 years. After 5 years, your rate will increase to reflect the rate for your age at that time. The new rate will be guaranteed for another 5 years.

Note: Rates are subject to change without notice.

1 “Age” means the attained age. Any applicant must be a resident of Canada and between the ages of 18 and 65 inclusive to apply.

2 Non-smokers are those who have not used tobacco or tobacco cessation products in the past 12 months and who meet Manulife’s health standards.

3 Premiums for renewals only. Coverage ends at age 70.

Monthly premium per $25,000 of Critical Illness Insurance – smokers
Age¹ Male Female
18 to 25 $7.43 $7.49
26 $7.73 $7.79
27 $8.04 $8.11
28 $8.36 $8.44
29 $8.69 $8.79
30 $9.04 $9.15
31 $9.55 $9.54
32 $10.09 $9.95
33 $10.66 $10.38
34 $11.26 $10.82
35 $11.90 $11.28
36 $12.45 $11.95
37 $13.02 $12.65
38 $13.63 $13.39
39 $14.26 $14.18
40 $14.92 $15.01
41 $16.47 $16.37
42 $18.18 $17.86
43 $20.06 $19.49
44 $22.15 $21.26
45 $24.45 $23.19
46 $27.16 $24.97
47 $30.17 $26.89
48 $33.51 $28.95
49 $37.23 $31.17
50 $41.35 $33.56
51 $46.29 $36.34
52 $51.81 $39.35
53 $57.99 $42.62
54 $64.91 $46.15
55 $72.65 $49.97
56 $78.69 $53.16
57 $85.23 $56.55
58 $92.32 $60.16
59 $99.99 $64.00
60 $108.30 $68.08
61 $116.63 $71.11
62 $125.59 $74.28
63 $135.24 $77.59
64 $145.63 $81.05
65 $156.82 $84.66
662 $167.77 $89.67
67 to 692 $178.71 $94.67

Five-year Premium Guarantee: These rates are guaranteed for 5 years. After 5 years, your rate will increase to reflect the rate for your age at that time. The new rate will be guaranteed for another 5 years.

Note: Rates are subject to change without notice.

1 “Age” means the attained age. Any applicant must be a resident of Canada and between the ages of 18 and 65 inclusive to apply.

Premiums for renewals only. Coverage ends at age 70.

Take action

Downloads

Still have questions?

Call a Licensed Insurance Advisor at 1-800-668-0195
(Monday – Friday 8am – 8pm ET)

or e-mail us at am_info@manulife.com

Ready to apply for Critical Illness Insurance?

It's easy and quick to apply for Critical illness Insurance. Simply download and print the PDF application below, fill it out, and mail it to the address found on the application. We'll contact you when your application is processed.

Our 30-day guarantee

Your satisfaction is our number one priority. Once you receive your insurance policy, examine it carefully. If you are not completely satisfied, contact us within 30 days and we will cancel your coverage and refund your premium in full, no questions asked.1