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CRITICAL ILLNESS

Benefit: A lump sum benefit is paid in the event you or your spouse are afflicted with a critical illness as defined in this policy while coverage is in force. For employees the benefit is $30,000, for spouses the benefit is $10,000.

Covered Critical Illness Conditions: The following critical illness conditions are covered under this policy:

  • Alzheimer’s disease
  • Aortic Surgery
  • Aplastic anemia
  • Bacterial meningitis
  • Benign brain tumour
  • Blindness
  • Cancer
  • Coma
  • Coronary artery bypass surgery
  • Deafness
  • Heart Attack (Myocardial Infarction)
  • Heart valve replacement
  • Kidney Failure
  • Loss of independent existence
  • Loss of limbs
  • Loss of Speech
  • Major organ failure
  • Major organ transplant
  • Motor neuron disease
  • Multiple Sclerosis
  • Occupational HIV Infection
  • Paralysis
  • Parkinson’s Disease
  • Severe Burns
  • Stroke

Pre-existing Conditions:

No Critical Illness benefit shall be payable if 24 months immediately prior to the Insured Persons’ effective date the Insured Person was attended to or received medical treatment, consultation, care or services by a Physician, including diagnostic measure for any symptom or medical problem which leads to a diagnosis of or treatment for a critical illness condition. Benefits are not payable as a result of any pre-existing critical illness condition unless the diagnosis of the critical illness condition occurs later than 24 consecutive months from the Insured Persons effective date or date of most recent Reinstatement of coverage under this policy.

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