What's covered?
Critical Assist® provides coverage for 25 full-payout conditions. Here is the list of critical illnesses that are covered:
- Alzheimer’s disease
- Aortic surgery
- Aplastic anemia
- Bacterial meningitis
- Benign brain tumour
- Blindness
- Cancer (life-threatening)
- Coma
- Coronary artery bypass surgery
- Deafness
- Heart attack
- Heart valve replacement
- Kidney failure
- Loss of independent existence2
- Loss of limbs
- Loss of speech
- Major organ failure while on waiting list
- Major organ transplant
- Motor neuron disease
- Multiple sclerosis
- Occupational HIV infection
- Paralysis
- Parkinson’s disease
- Severe burns
- Stroke
Note: Coverage for full-payout conditions (except for loss of independent existence2) begins on the policy date3 and ends at expiry (age 75). Once you've received payment for a full-payout condition, your Critical Assist® coverage ends.
Beyond the covered conditions listed above, you’re also covered for four Early Assist partial-payout conditions. That means a partial benefit – equal to 10% of the face amount, up to a maximum of $50,000 – is payable, upon diagnoses of one of the following:
- Coronary angioplasty
- Non-invasive cancers:
- Ductal carcinoma in situ of the breast (DCIS)
- Stage T1a or T1b (stage A) prostate cancer
- Stage 1A malignant melanoma (melanoma less than or equal to 1.0 mm in thickness)
Note: The policy will continue to cover you after a partial payment is made. You are eligible for only one Early Assist partial payment. There is no reduction of the policy face amount, if an Early Assist benefit is paid.
