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Accidents have a way of catching us off guard – physically, emotionally and financially. CA Select Personal Accident Insurance is designed to help you and your family cope when a life-altering accident shatters your world. It offers a lump-sum benefit payment that can be used to shield your family and assets from the effects of lost income and unplanned medical expenses.
Make sure you’re prepared for the unexpected – add Personal Accident insurance to your protection portfolio today.
Personal Accident Insurance provides coverage for you and/or your spouse, as follows:
- Select coverage of $25,000 to $500,000 for yourself – and coverage of $25,000 to $250,000 for your spouse – in $25,000 increments.
- Apply up to age 65 and keep your coverage up to Age 75.
Benefits will be paid to the Insured, if living, otherwise to the named beneficiary. The benefit will be based on the amount of coverage purchased (the principal sum) and the extent of the loss, as outlined in the table of benefits payable.
See the rates that apply to you.
Member and Spouse Personal Accident Insurance applicants must be covered by or applying for Member or Spouse Term Life or Member Income Protection Insurance. Coverage under the Personal Accident Rider may continue for as long as the Term Life or Income Protection coverage remains in effect.
To apply you must be:
- A Member of one of the Institutes of Chartered Accountants of Ontario, New Brunswick, Prince Edward Island, Newfoundland, Nova Scotia or Bermuda
- Resident in Canada or Bermuda
- Under Age 65
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For Spouse Personal Accident, your Spouse must be resident in Canada or Bermuda, under Age 65 and be covered by Spouse Term Life coverage.
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| Limitations and Exclusions |
| A loss is covered only if it is the result of an accident, occurs within 12 months of the accident, and is complete and irreversible. Loss of use is covered only if it has been continuous for 12 months. Losses resulting from suicide, self inflicted injury… More |
| active participation in a criminal offence or assault, insurrection, terrorism or war, injuries with no visible wound on the exterior of the body, flying (except as a passenger with no flight duties) or hang gliding or similar recreational sport, infirmity or disease, medical or surgical treatment or infection (except as a result of an accident) are not covered. |
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