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Member and Spouse Critical Illness Insurance
Critical Illness Benefit
Critical Illness Insurance is designed to provide money to help with the financial demands of recovery from significant medical illness.
When recovery is your first priority, this cost-effective coverage can help to fund your access to the treatment you need when you need it.
Coverage is available for you and/or your spouse, in amounts ranging from $25,000 up to $250,000, for protection from 18 common conditions including life-threatening cancer, heart attack and stroke.
If an insured Member or Spouse is diagnosed with a Critical Illness, the Institute's Critical Illness Insurance plan provides a cash benefit for the full amount of your coverage, up to $250,000. This money is paid directly to you. You can use it to get fast access to costly, experimental or faraway treatment, or you can spend it any way you choose.
To find out how little this Critical Illness Insurance can cost you, get a free online quote now. For your convenience, you can apply using a printer-ready mail-in application, or you can apply online now, quickly and securely, in the privacy of your home or office. (Residents of Quebec cannot apply online.)
Added Benefits
- 10% Lower Rates on $125,000 Coverage or More: For purchases of Critical Illness Insurance coverage of $125,000 or more, a 10% discount will apply to the premiums for all of that person's Critical Illness coverage under this Plan.
- 21% to 52% Lower Rates For Non-Smokers: Non-Smoker rates mean that if you qualify as a Non-Smoker, you can pay less. If you have not used tobacco or tobacco cessation products in the last 12 months and you meet Manulife Financial’s health standards, you can apply for lower Non-Smoker rates.
- Waiver of Premium: If, before age 65, the insured Member becomes totally disabled and is unable to work for any wage or profit, any Member and Spouse Critical Illness Insurance coverage that is in effect will be continued and premiums waived after the Member has been totally disabled for three (3) continuous months, provided the insurer has received satisfactory proof of claim.
Also Included at time of claim is the Care Management Services Benefit by BEST DOCTORS®, Inc., providing free services designed to help you understand your condition and locate medical care and treatment:
- InterConsultation™: Advanced, case-specific recommendations by top medical specialists, including timely answers to your questions, an in-depth analysis of your medical records, confirmation of diagnosis and recommendations of treatment options.
- FindBestDoc™: Identification, from a global database of physicians, of a minimum of two doctors specializing in your condition, their location anywhere in the world, information on their availability, and details on how to set up an appointment.
- FindBestCare®: Recommendation and logistics management based on a global preferred provider network, including recommendations of centres specializing in treatment of your condition, details of providers' qualifications, treatment approach and fees for treatment; also confirmation of your recovery management arrangements: travel, lodging and medical appointments; hospital estimates; pre-admission; hospital discounts; claims processing; and around-the-clock patient services.
Best Doctors is designed solely to help you access the care you need, and does not pay specifically for that care. |
Other Details
- Benefit Payments: This insurance coverage pays a lump sum cash benefit directly to the insured upon the first diagnosis of a covered condition, subject to the limitations and exclusions in the Covered Condition definitions and the general limitations and exclusions outlined below.
- Limitations and Exclusions: No benefit will be paid if the Insured while sane or insane, suffers a Covered Condition as a result of any of the following:
- Intentional self-inflicted injuries,
- Attempted suicide,
- The use of intoxicants,
- Committing or attempting to commit a criminal offence,
- Operating a motor vehicle while the concentration of alcohol in 100 milliliters of blood exceeds 80 milligrams.
No benefit will be paid unless the Insured survives 30 days following the first diagnosis of a Covered Condition or such longer period as described in the Covered Conditions Definitions.
- 30-day Free Look Benefit: If the insured is not completely satisfied with his or her coverage, he or she can return his or her policy to Manulife Financial within 30 days of receiving it and the entire premium will be promptly refunded.
You can apply online (except for residents of Quebec) or print an application (including residents of Quebec) and mail it to: Manulife Financial, Affinity Markets, P.O. Box 4213, Station A, Toronto, Ontario, M5W 5M3.
Have you become a new Institute Member within the last 90 days? If so, you are invited to take advantage of FOUR limited-time insurance plan offers, including an opportunity to enroll to add $25,000 of Critical Illness Insurance - and pay only half the regular premiums for up to two years!
If you have questions or feedback about our coverage, click here to contact us online, telephone us toll-free at 1 866 219-4245 Monday through Friday from 8 a.m. to 8 p.m. ET, or e-mail us at am_service@manulife.com any time.
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