- Aortic surgery
- Aplastic anemia
- Bacterial meningitis
- Benign brain tumour
- Blindness
- Cancer (life-threatening)
- Coma
- Coronary artery bypass surgery
- Deafness
- Dementia, including Alzheimer’s disease
- Heart attack
- Heart valve replacement or repair
- Kidney failure
- Loss of independent existence1
- 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 and specified atypical Parkinsonian disorders
- Severe burns
- Stroke (Cerebrovascular Accident)
Note: Coverage for full-payout conditions (except for loss of independent existence2) begins on the policy date2 and ends at expiry (age 75). Once you've received payment for a full-payout condition, your Critical Assist® coverage ends.
Conditions covered under Early Assist:
- Coronary angioplasty
- Non-life-threatening cancers:
- Ductal carcinoma in situ of the breast (DCIS), requires confirmation by biopsy
- Stage T1a or T1b (stage A) prostate cancer
- Stage 1A malignant melanoma (melanoma less than or equal to 1.0 mm in thickness)
Note: 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.
1 There 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.
2 Coverage for Loss of Independent Existence begins at age 18. It 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.
Coverage for Autism and Rett Syndrome ends one day prior to the Insured child’s third birthday.