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Cancer & Critical Illness

Cancer

Nearly one in two Canadians is expected to be diagnosed with cancer in their lifetime.



​An estimated 229,100 new cases of cancer will occur this vear in Canada (110,900 women and 118,200 men will be diagnosed).

Stroke

There are over 50,000 strokes in Canada each year. That's one stroke every 10 minutes.

Heart Attack

There are an estimated 70,000 heart attacks each year in Canada. That's one heart attack every seven minutes.

Head Injury

An estimated one million cases of head injuries are seen yearly in North American emergency departments

C.C

Cancer Care

An insurance policy that pays daily cash benefits directly to you to pay for costly out-of-pocket expenses related to Heart Attack, Stroke and Cancer treatment and everyday expenses.

C.I

Critical Illness

An insurance policy that pays cash directly to you to cover out-of-pocket expenses so you can focus on recovery after a major illness strikes.

Critical Illness Protector

While most of us think, "It will never happen to me," these conditions can touch anyone, anywhere, at anytime-often without warning. Thanks to modern medicine, more people are surviving these events than ever before. But you're likely to lose income during treatment and recovery, and you and your family will need help paying out-of-pocket medical expenses, plus everyday costs. That's why a critical illness insurance plan can make a difference.

1   |  Total Disability while hospitalized for Cancer, Heart, Attack and Stroke
Should you be confined overnight as an inpatient in a hospital anywhere in Canada or the United States, and you totally disabled because of a covered cancer, heart attack or stroke, we will pay you.

2   |   Total Disability following Hospitalization for Cancer, Heart Attack, and Stroke
Should you be totally disabled following a period of a covered hospital confinement as an inpatient, we will continue to pay you ... for up to three times the number of days you were in the hospital.
This benefit is payable to you while you are recovering at home or anywhere.

4   |   Total Disability following Outpatient Treatment - Cancer

Should you be totally disabled following outpatient surgery or treatment, we will continue to bav vou for up to three times the number of treatment davs received.For example, if you had three days of outpatient treatment, we would pay you for up to nine days of total disability.

3   |  Loss Of Time For Outpatient Treatment - Cancer​​

If you require outpatient surgery, chemotherapy or radiation treatment, because of a covered cancer we pay ... for the day of each such surgery or treatment and for up to a maximum of 365 days.

​Cancer Care Protector will work for you:

  1. Pays cash directly to you or your family to help pay expenses that come as a result of a cancer diagnosis, such as loss of income, medical expenses and mortgage or rent.

  2. Pays you a daily benefit amount for inpatient and outpatient care for Cancer.

  3. Offers optional coverage for Heart Attack and Stroke, available with Cancer Care Plus Plan.

  4. This policy is Guaranteed Renewable for life, as long as the premium is paid on or before the due date or within the grace period.

  5. Gives you peace of mind when you need it most.

  6. Benefits may be tax free.

  7. Family coverage.

  8. TELADOC MEDICAL EXPERTS service is included with your Policy.

  9. The service, strength and security

TELADOC MEDICAL EXPERTS SERVICE

Teladoc brings together the best medical minds in the world to help you get the right diagnosis, treatment and information when you're facing any type or degree of medical uncertainty.

Teladoc will help vou:

  • Get the right diagnosis, treatment and information;

  • Obtain an expert opinion;

  • Find a specialist within or outside Canada;

  • Navigate the health care system;

  • Understand your medical condition.

One call to Teladoc and a Member Advocate, a Registered Nurse, becomes your personal health ambassador, reaching out to the medical community on your behalf and in complement of the care you receive from your own physician.

Critical Illness Protector

While most of us think, "It will never happen to me," these conditions can touch anyone, anywhere, at anytime-often without warning. Thanks to modern medicine, more people are surviving these events than ever before. But you're likely to lose income during treatment and recovery, and you and your family will need help paying out-of-pocket medical expenses, plus everyday costs. That's why a critical illness insurance plan can make a difference.

  • Dismemberment

  • Heart attack

  • Heart valve replacement

  • Kidney failure

  • Loss of speech

  • Major organ transplant**

  • Occupational HIV

  • Paralysis

  • Severe burns

  • Stroke

  • Traumatic Head Injury

1   |   Living Benefit Critical Illness
pay you for loss due to one of the following covered conditions:

​

  • ​Life-threatening cancer

  • Carcinoma-in-situ*

  • Stage A prostate cancer*

  • Aortic Surgery

  • Aplastic Anemia

  • Blindness

  • Benign brain tumour

  • Coma

  • Coronary artery bypass graft surgery

  • Deafness

​

you can see above, we even cover for two non-life threatening cancers up to 25% of your chosen face amount.

If you are diagnosed with another covered condition in the future, we will pay the remaining 75% of your chosen face amount, provided you survive by the period outlined in your policy.

After Full Benefits Are Paid For A Covered Loss, Your Policy Terminates.

** The actual transplant operation must be performed.

Should you be diagnosed with and/or receive treatment for one of the listed conditions

2   |   Return of Premium up on death
In the event of vour death for any reason other than a covered loss subiect to the Exclusions of the Policy and if the policy has been in force for at least 10 consecutive years, we will return all premiums paid for the policy less any benefits paid under the policy. Premiums will be returned to your beneficiary or if no beneficiary has been named, to your estate.

Now here's the best part!

These benefits are paid in ADDITION TO ALL OTHER INSURANCE.

You select the coverage that is right for you.

  • 21 Covered Conditions

  • 18 Conditions excluding cancer

  • Cancer Only (three covered conditions)

TELADOC MEDICAL EXPERTS SERVICE

TELADOC brings together the best medical minds in the world to help vou get the right diagnosis, treatment and information when you're facing any type or degree of medical uncertainty.

Teladoc will help you:

  • Get the right diagnosis, treatment and information;

  • Obtain an expert opinion;

  • Find a specialist within or outside Canada;

  • Navigate the health care system;

  • Understand your medical condition.

One call to Teladoc and a Member Advocate, a Registered Nurse, becomes your personal health ambassador, reaching out to the medical community on your behalf and in complement of the care you receive from your own physician.TE

Our Critical Illness Protector features SEVERAL REASONS why so many people have taken advantage of it:

  1. A choice of benefit plans ... based on your needs.
    $10,000 $15,000 $25,000 $50,000 or $100,000

  2. Benefits are payable IN ADDITION to all other insurance policies.

  3. TELADOC medical experts service is included with your policy.

  4. Guaranteed renewable for life.

  5. If you die for any reason other than a covered loss the premiums paid will be returned to your beneficiary less any benefits paid under the policy and any applicable riders.

  6. Up to 21 covered conditions.

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