Critical Illness Insurance

Getting coverage has never been easier!

Critical Illness Insurance

With advances in medical care, more and more people are surviving heart attacks, strokes and cancer. The simple, affordable protection offered by the Lifecheque^® Basic Critical Illness Plan provides financial security in the event that one of five covered illnesses or conditions is diagnosed.

Canadian residents between the ages of 18 and 65 years are eligible to apply for Lifecheque Basic Critical Illness Insurance.

• You can choose from $25,000, $50,000 or $75,000 coverage.

• The $25,000, $50,000 or $75,000 benefit is paid directly to you, to spend however they wish – such as to pay medical expenses, retrofit your home, alleviate debt, or travel.

• Applying is easy – no medical questionnaire is required. A declaration of good health is all that is needed.

• Premiums are based on your age, gender and smoking status. The younger they are when they apply, the lower their premiums will be. Non-smokers enjoy premium savings with rates up to 50% lower than those for smokers.

• Health Service Navigator® – With Health Service Navigator, you and their eligible family members can quickly and easily get answers to questions and access to support services. Easily accessible on the web or with a simple call to a dedicated toll-free line, Health Service Navigator can provide information, medical coordination services and resources on how to navigate the Canadian health care system. Health Service Navigator will also help get a second opinion from a world-class hospital.

• Return of Premium Option – If you are between 18 and 55 years of age, can add this option at the time of initial application. Manulife will reimburse the premiums paid, up to 100% of their benefit amount, if you reach their 75th birthday without making a claim. This means that, depending on the coverage you selected, they could receive up to $25,000, $50,000 or $75,000.

• Once covered, you can keep Lifecheque Basic Critical Illness coverage up to age 75, regardless of any changes in their health or occupation.

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