Protect your financial health, even during an illness

Many Canadians experience a life-threatening illness like a stroke, heart attack or cancer¹. Some expenses aren’t covered by provincial health plans. That could mean dipping into your savings or retirement funds.

Critical illness² (CI) insurance can help cover daily expenses, pay for alternative treatments, or allow a loved one to have time off with you. You use it any way you need it, so you can focus on your recovery, not your finances.

Critical illness insurance is…

• Paid whether or not you are able to work
• A lump sum you can spend any way you like

Why choose critical illness insurance offered through your association?

• Covers 11 illnesses
• Savings on the insurance you need, thanks to group pricing

How much coverage can you apply for?

• You and your spouse³: $25,000 to $250,000, in units of $25,000 (your spouse can apply for up to the same coverage you choose for yourself)

You're eligible if you are:

• A member in good standing with your association, working at least 25 hours a week
• Between the ages of 18 and 64 (coverage ends on member’s 70th birthday)
• A resident of Canada

Meet the criteria? You can get critical illness insurance for:

• You
• You + your spouse

What's the cost?

Our rate sheets can provide you with a quick estimate.

Find out more

Full descriptions and any exclusions are in the plan brochure, but here's a list of critical illnesses covered:

• Blindness
• Cancer (life-threatening)
• Coronary artery bypass surgery
• Deafness
• Heart attack
• Kidney failure
• Loss of independent existence
• Major organ transplant
• Multiple sclerosis
• Paralysis
• Stroke (cerebrovascular accident)

The critical illness benefit is payable only on the first covered condition for which a diagnosis is effective, or surgery is performed, and the insured's coverage then terminates. Such person may not become insured again under this benefit.

Take these three steps to apply:

Medical underwriting is required.

Exclusions:

Securian Canada will not pay for any illness, disorder or surgery not specifically defined under covered conditions.

No benefits are payable for claims resulting directly or indirectly from any of the following:

• Self-inflicted injury or attempted suicide, regardless of whether the insured has the ability to form the requisite intent or regardless of whether the insured has a mental illness such that the insured does not know or understand the consequences of the insured’s actions
• Hostile action of any armed forces, insurrection or participation in a riot or civil commotion
• Participation in a criminal offence
• Use of illegal or illicit drugs or substances, misuse of drugs or alcohol