Critical Illness Covered Conditions

Covered Conditions

The Critical Illness Recovery Plan policy provides a lump-sum benefit if you are diagnosed with any of the following critical illnesses or conditions, as defined in the policy, and satisfy the survival period, as defined in the policy:

  • Alzheimer disease
  • Aortic surgery
  • Benign brain tumour
  • Blindness
  • Cancer(6)
  • Coma
  • Coronary artery bypass surgery
  • Deafness
  • Heart attack
  • Heart valve replacement
  • Kidney failure
  • Loss of independent existence(7)
  • 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 disease
  • Severe burns
  • Stroke

Summary of Exclusions*

No benefit will be paid (including any riders), nor will premiums be refunded for any critical illness, death or other loss that results directly or indirectly, from any of the following:

  • Self-inflicted injury, attempted suicide or suicide
  • Intentional use of any drug, intoxicant, narcotic or poisonoussubstance(8)
  • Participation in war (whether such war is declared or undeclared) or hostile action of the armed forces of any country, insurrection or civil commotion
  • Attempt to commit or commission a crime, whether charged or not
  • Operation of any land, water or air conveyance which is moved or operated by any means other than muscular power, while the insured's concentration of alcohol in 100 millilitres of blood exceeds 80 milligrams or while the insured is under the influence of any drug, intoxicant, narcotic or poisonous substance(8)
*The information above is intended as a summary only. Your policy will contain complete details on terms and conditions, including benefits and exclusions.

Survival Period

The survival period is the number of days you must survive, following the diagnosis of a covered critical illness, before a benefit is payable. The minimum survival period for most covered conditions is 30 days, although some covered conditions require a longer period before benefits are payable.

Waiting Period for Cancer

The 90-day waiting period for cancer means that once the policy is in effect (or reinstated) there is no coverage if you are diagnosed with cancer during the first 90 days. A diagnosis of cancer must be made 91 days or more after the effective date to be covered under the policy.