Good health can provide a solid foundation for the future. But if you were diagnosed with a critical illness, would you have the resources to maintain your current standard of living?

Critical illness can affect anyone regardless of age, gender, health or socioeconomic status.

A critical illness could dramatically alter your quality of life, your plans for the future, and your financial well-being. if you are diagnosed with one of the covered critical illness or undergo one of the surgeries listed on policy, you will receive the amount of insurance you selected.

what are the definitions of the covered conditions?

Life-threatening cancer: A tumour characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue as confirmed by histological examination of tissue samples.

Heart attack (myocardial infarction):
 The death of a portion of the heart muscle due to atherosclerotic heart disease. The diagnosis must be based on all of the following criteria occurring at the same time:

  • New episode of typical chest pain or equivalent symptoms; and resulting from the blockage of one or more coronary arteries; and
  • New electrocardiographic changes indicative of myocardial infarction; and
  • Biochemical evidence of myocardial necrosis including elevated cardiac enzymes and/or troponin.

Stroke: A cerebrovascular incident causing infarction of your brain tissue, due to intracranial hemorrhage, thrombosis or embolism, producing a new measurable permanent clinical neurological deficit persisting for at least thirty (30) days following the occurrence of the stroke.

Coronary artery bypass surgery: You have undergone heart surgery to correct the narrowing or blockage of one or more coronary arteries with bypass grafts.

Kidney failure: End stage renal disease, due to whatever cause or causes, as a result of which you are undergoing peritoneal dialysis or hemodialysis on a regular basis or have received a transplanted human kidney.

Major organ transplant:
 You have received a transplant of a human heart, liver, lung or human bone marrow, due to irreversible failure of such organ.

Term Critical Illness
Permanent Critical Illness
Critical Illness for Business Owners
Critical Illness for Children

how do you define abnormal tests related to critical illness?

In the Critical Illness Insurance Health Declaration, “abnormal tests” means tests that have a “positive” result or require further testing, investigation or consultation – for example:

  • Positive ECG
  • Positive stress test
  • Positive chest x-ray
  • Elevated PSA test
  • Positive mammogram
  • Elevated blood sugar test
  • Positive colonoscopy

They do not include tests with “negative” or normal results that do not require further investigation, run for either diagnostic or routine purposes.

In the Critical Illness Insurance Health Declaration, “signs and/or symptoms” of heart disease means any indication that heart disease may exist – for example:

  • Chest pain
  • Chest discomfort possibly radiating to arms, neck or jaw
  • Irregular heart rate
  • Shortness of breath
  • Cold sweats
  • Nausea
  • Light-headedness

However, these signs or symptoms could be caused by conditions other than heart disease.

How do you define signs and / or symptoms of critical illness ?

In the Critical Illness Insurance Health Declaration, “signs and/or symptoms” means any indication that a named condition may exist – for example:

  • Presence of an undiagnosed breast lump
  • Chronic cough
  • Blood in urine
  • Unexplained weight loss
  • Chest pain
  • Shortness of breath
  • Difficulty speaking
  • Numbness
  • Paralysis
  • Severe headache
  • Sudden onset of blurred vision

If you have had any unusual signs or symptoms that have not yet been diagnosed by a doctor or if you have been diagnosed with a condition named in the Health Declaration, you are not eligible for Critical Illness Insurance coverage.

Main features

  • 26 critical illnesses and conditions are covered. An advance is paid for more than 15 treatments and diagnosis of less severe conditions.
  • The only coverage in Canada that covers all types of cancers along with exclusive cardiovascular procedures.
  • No survival period to satisfy except for cardiovascular conditions and procedures (30 days).
  • Return of Premiums on Death is a minimum of 25% of the amount of insurance, if ROPD is selected.
  • Long-Term care (LTC) pays an amount whether the loss is temporary or permanent.
  • Complimentary assistance services, provided by Assistel.
  • Second medical opinion.
  • Term 10 can be exchanged for a Term 20 product within the first 5 years.

Critical illnesses and conditions

Cancers and Tumours:

  • 1. Benign Brain Tumour
  • 2. Cancer (Life-Threatening)


  • 3. Aortic Surgery
  • 4. Coronary Artery Bypass Surgery
  • 5. Heart Attack
  • 6. Heart Valve Replacement or Repair
  • 7. Stroke (Cerebrovascular accident)


  • 8. Bacterial Meningitis
  • 9. Dementia, including Alzheimer’s disease
  • 10. Motor Neuron Disease
  • 11. Multiple Sclerosis
  • 12. Parkinson’s Disease and Specified Atypical Parkinsonian Disorders

Vital Organs:

  • 13. Kidney Failure
  • 14. Major Organ Failure on Waiting List
  • 15. Major Organ Transplant

Accident and functionnal loss :

  • 16. Acquired Brain Injury
  • 17. Blindness
  • 18. Coma
  • 19. Deafness
  • 20. Loss of Limbs
  • 21. Loss of Speech
  • 22. Paralysis
  • 23. Severe Burns


  • 24. Aplastic anemia
  • 25. Occupational HIV Infection
  • + Long-Term Care

Long-Term Care coverage

  • In case of loss of independent existence where the insured has reasonable chances of recovery, 15% of the amount of insurance will be paid, up to a maximum of $25,000.
  • If the loss of independent existence ends up being permanent, any advance paid will be deducted from the amount of insurance payable.

Advance for less severe diagnosis and treatment

Minor cancers and cancer-related surgeries

Early-stage cancers:
(Only one advance for the duration of the coverage)
  • Carcinoma in situ
  • Chronic lymphocytic leukemia – stage 0
  • Cutaneous lymphoma without distant metastasis
  • Dermatofibrosarcoma
  • Ductal carcinoma in situ of the breast or lobular carcinoma in situ of the breast
  • Malignant gastrointestinal stromal tumours
  • Malignant carcinoid tumours
  • Malignant melanoma – stage 1
  • Papillary thyroid cancer or follicular thyroid cancer – stage 1
  • Prostate cancer – stage T1a or T1b

The early-stage cancers listed above pay 15% of the amount of insurance (maximum of $50,000). If an advance of 1% has already been paid for a cancer not mentioned above (see the Other cancers section), it will be deducted from the 15% advance. Moreover, no amount will be paid if an advance for an ablation surgery has already been paid.

Ablation surgeries:
(Only one advance for the duration of the coverage)
  • Total mastectomy
  • Total prostatectomy

The two ablation surgeries above pay 30% of the amount of insurance (maximum of $100,000). If an advance has already been paid for an early-stage cancer or another cancer (see the Other cancers section), it will be deducted from this advance.

Other cancers:
(Only one advance for the duration of the coverage)

All other cancers not listed above pay 1% of the amount of insurance (maximum of $5,000). If an advance has already been paid for an early-stage cancer or an ablation surgery, this 1% advance won’t be payable.

Note for cancers:

If the client receives an advance payment for the early-stage cancers, ablation surgeries and other cancers, he remains covered for all the other illnesses covered by his contract, including life-threatening cancer.

Minor cardiovascular conditions and procedures
(Only one advance for the duration of the coverage)

  • Aortic aneurysm
  • Coronary angioplasty
  • Endovascular treatment of aortic aneurysm or disease
  • Insertion of cardiac pacemaker or cardiac defibrillator

The minor cardiovascular conditions and procedures listed above pay 15% of the amount of insurance (maximum of $50,000)

You will also receive an advance from this amount in case of a less severe diagnosis and treatment Critical illness and surgeries.

We pride ourselves on providing our clients with the best and most innovative insurance programs available up to $2000,000.

you can use the payment any way you like :

  • to meet your financial obligations ( mortgage or loan , credit cards , etc.)
  • to receive additional medical care ( home care, professional services, etc.)
  • to pay for services (caregiver, babysitter, etc.)
  • to cover unforeseeable expenses.

Find out more about insurance options ideal for individuals and small businesses.

You have the option of buying up to$2000,000 face to face and $75000 online, no medical exam needed.

 Issue Guaranteed – No Medical

Have any of your friends, family members been effected by one or more of the following illnesses or health problems?

Cancer, Hearth attack, Stroke, Coronary bypass surgery .

This four illness and health problems represent 86%of all critical illness cases. 

  • Coverage for 5 major illnesses including cancer, heart disease, stroke, aeortic surgery, and coronary artery bypass surgery.
  • Lump sum payments of $25,000, $50,000 or $75,000 with a Return of Premium option.
  • Coverage for applicants between the ages of 18 and 75.

Click on the link below for more information on Lifecheque Basic Critical Illness insurance and get a quote by applying online.

Up to $75,000 Critical Illness Insurance on line no medical exam by Manulife


Critical Illness Insurance on line no medical exam by Edge

what is a pre – existing condition for critical illness insurance ?

A pre-existing condition is an illness or condition for which an individual showed indications of “signs or symptoms,” was prescribed or took medication, or was diagnosed, treated or hospitalized during the 24 months immediately prior to the policy’s coverage effective date.

Best doctor can help :

1-Refer your case to experienced specialists. Get a thorough review of your medical records to confirm or correct your diagnosis and treatment plan.

2- Get help finding a reputable specialist or health care provider locally or outside of Canada by using Best Doctors’ global network.

3- Best Doctors can help you navigate the Canadian health care system and get the information you need quickly and easily.

 4-When a 15-minute visit to your doctor is not enough, you can get answers to your questions from a doctor who specializes in treating cases similar to yours.

5- Reduce the wait from several months to a few days for an MRI or CT scan. You and your attending physician can quickly get confirmation of the diagnosis and go ahead with the proper treatment.

6- collect all your medical records and put them back on a USB stick that you can easily take with you on the go.