Critical Assist®

Critical Assist® from The Co-operators gives you the comfort of knowing you will have financial stability if you are diagnosed with a covered life-altering illness. We take standard critical illness coverage further with our Early Assist benefit and the Teladoc Medical Experts®.

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How critical illness insurance helps

Critical Assist® from The Co-operators will give you and your family a tax-free1 financial cushion that will be there for you when you most need it. If you are diagnosed with a covered illness, you'll receive either a full lump sum payment or a partial payout of the coverage amount if your illness falls under our Early Assist program. You can use the benefit payment any way you wish. For example, it can help you:

  • pay for mortgage and loan payments if you are unable to continue working
  • pay for child care so that you can concentrate on your recovery
  • subsidize additional necessary health care not covered by provincial plans
  • cover housekeeping costs or other day to day expenses
  • keep up contributions to RRSPs and RESPs

What would you do if your child were diagnosed with a critical illness?

One of our biggest concerns as a parent is our child’s health and well-being. If your child were ever diagnosed with a serious illness, you’d want to be with them and do everything you could to comfort and care for them. Critical Assist® – Head Start helps provide financial peace of mind to parents of a child diagnosed with a Covered Condition, so they can focus on what matters most: being with their child and helping them get better while maintaining their family’s needs.

Available plans

The Co-operators offers four Critical Assist® plans to suit your needs:

  • Level premiums for 10 years and renewable for successive 10-year periods to age 75 (CA 10)
  • Level premiums for 25 years and renewable for successive 20-year periods to age 75 (CA 25)
  • Level premiums to age 75 (CA 75)
  • Level premiums for 20 years with coverage to age 75 (CA 20-Pay)

Critical Assist®

Critical Assist® provides coverage for 25 full payout conditions, and 4 Early Assist partial payout conditions. Benefits are paid in a tax-free1 lump sum and can range from $25,000 to $2,000,000, depending on the level of coverage you choose. This policy is available to issue ages 18 through 65 (CA 10 and CA 75) or ages 18 through 50 (CA 25 and CA 20-Pay). The policy expires at the anniversary nearest age 75.

Critical Assist® – Head Start for children

Critical Assist® – Head Start provides coverage for 32 full payout covered conditions (including 7 childhood-specific conditions), and 4 Early Assist partial payout conditions. Benefits are paid in a tax-free1 lump sum and can range from $25,000 to $250,000, depending on the level of coverage you choose. Children are eligible for the plan at 30 days old until age 17 and the policy expires at the anniversary nearest age 75. So, not only are you covering them when they are young, but also providing protection for years to come.

Other features

  • Premium Payback at Death
    If you pass away while the Critical Assist® policy is in force and no full payout claim has been paid, we will refund the premium payments you have made for this coverage to your beneficiary. This embedded feature is included with all Critical Assist policies.
  • Conversion privileges
    If you decide you would like longer term protection, we make it easy. Policyowners may convert a 10-year or 25-year term policy to a policy with level premiums to age 75 or level premiums for 20 years without any additional underwriting requirements or proof of insurability.
  • Teladoc Medical Experts®
    Critical Assist® includes access to the Teladoc Medical Experts®. Teladoc Medical Experts® gives you instant access to a global network of over 50,000 leading medical specialists and subspecialties. They can provide confirmation of your diagnosis, support through information and guidance, and help you find a specialist in your area.
  • Counselling benefit
    Upon diagnosis of a covered condition, the policyowner will receive access to up to 3 hours of over the phone counselling to be used by themselves or their family members.

Optional riders and other benefits

You may customize your Critical Assist® plan by adding the following optional riders and other benefits:

  • Premium Payback at Expiry Rider
  • Premium Payback at Surrender Rider
  • Disability Premium Waiver Benefit
  • Automatic Waiver of Premium on Owner’s Death or Disability Benefit

Which illnesses are covered?

The illnesses listed below are covered through full payouts and our Early Assist program. If you have questions, your Financial Advisor can take you through what is covered so you can make an informed decision.

Full payout covered conditions

Coverage for the 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.

Eligible Conditions

  • 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 Existence4
  • Loss of Limbs
  • Loss of Speech
  • Major Organ Failure on Waiting List
  • Major Organ Transplant
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Occupational HIV Infection
  • Paralysis
  • Parkinson’s Disease
  • Severe Burns
  • Stroke

Additional childhood covered conditions

In addition to the 25 full payout covered conditions, Critical Assist® – Head Start also provides coverage for the following 7 childhood conditions until age 185.

Eligible Conditions

  • Autism
  • Cerebral Palsy
  • Congenital Heart Disease
  • Cystic Fibrosis
  • Muscular Dystrophy
  • Rett Syndrome
  • Type 1 Diabetes Mellitus

Early Assist covered conditions

A partial benefit equal to 10% of the face amount, up to a maximum of $50,000, is payable if you are diagnosed with an Early Assist covered condition. The policy will continue to cover you after the partial payment is made. You are eligible for only one Early Assist payment. There is no reduction of the policy face amount if an Early Assist benefit is paid.

Eligible Conditions

  • Coronary Angioplasty
  • Non-Life-Threatening 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)

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Contact us

Talk to your local Financial Advisor today to get a quote on critical illness insurance from The Co-operators.

1Tax rules and regulations may change at any time.
2Coverage for Loss of Independent Existence begins at age 18.
3There is no coverage for cancer or benign brain tumours during the first 90 days following issue or every reinstatement of the policy. There is no coverage for Parkinson’s Disease during the first year following issue or every reinstatement of the policy.
4Loss of Independent Existence is defined as a definite Diagnosis of the total inability to perform, by oneself, at least two of the six Activities of Daily Living (bathing, dressing, toileting, bladder and bowel continence, transferring, or feeding) for a continuous period of at least 90 days with no reasonable chance of recovery.
5Coverage for Autism and Rett Syndrome ends one day prior to the Insured child’s third birthday.