CPAO: CPA Select Critical Illness Insurance

When you’re diagnosed with a major medical condition, the last thing you need is to be worried about money. CPA Select Critical Illness Insurance will pay you up to $250,000 if you are diagnosed with one of 18 serious medical conditions, such as cancer, a heart attack, stroke, or kidney failure. This money is yours to use as you see fit. For example, you can use it to:

Access treatments that are alternative and experimental – or only available outside of Canada.
Adopt a lifestyle that’s more appropriate to your medical condition.
Take that dream vacation you’ve been putting off.

In short, Critical Illness Insurance provides valuable protection… when you need it the most.

Plan Basics

You and your spouse can each apply for up to $250,000 of coverage (in $25,000 increments) up to Age 65 and stay covered up to Age 70. This Plan pays the full coverage amount directly to the insured, upon first diagnosis of any of the 18 covered conditions. More

Plan Features

This coverage includes the following special features at no additional cost:

Health Service Navigator® (included at no extra cost)
With Health Service Navigator(HSN), you and your family members can quickly and easily get answers to your medical questions and access to support services. And access isn’t dependent upon making a claim – it’s available immediately not only for you the insured, but for all of your eligible family members too!

Available on-line or by calling a dedicated representative - You can receive information, medical coordination services and resources on how to navigate the Canadian health care system. And, if you want a second opinion from a world-class hospital, Health Service Navigator will help you get it too.

Health Service Navigator is managed by a team of professionals, so you can be sure that the information and resources it provides are credible and current.

How Health Service Navigator can help you and your family

World-Class Medical Second Opinions
The second-opinion provider, WorldCare International, Inc. (WorldCare), specializes in medical advisory assistance. Your diagnosis and treatment plans are evaluated confidentially and securely by world-class specialists at top-ranked hospitals – all without you having to leave your home.

Medical Coordination Services
If you or an eligible dependant receive a second opinion and decide to travel to the United States for medical treatment, WorldCare® provides help with the arrangements and coordination of appointments.

Health Service Navigator is offered through The Manufacturers Life Insurance Company (Manulife).

For more information, visit www.manulifehealth.ca

	Waiver of Premium
	If the insured Member becomes Totally Disabled before Age 65 and has been Totally Disabled for 3 continuous months, the premiums will be waived for any Member and Spouse Critical Illness Insurance coverage in effect.

	Lower Rates for Non-Smokers
	You can apply for this coverage at rates that are 21% to 52% lower if you have not used any form of tobacco or tobacco cessation products within the past 12 months and you meet Manulife's health standards.

	Volume Discount
	Purchase Critical Illness Insurance coverage of $125,000 or more to get a 10% discount on the premiums for all of your Critical Illness coverage under this Plan.

Plan Rates

See the rates that apply to you.

Eligibility

To apply for Critical Illness Insurance you must be a member of a participating body from New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island or Bermuda; be under Age 65; be resident in Canada or Bermuda; and be free of specific pre-existing medical conditions or procedures.* A member may apply for Spouse Critical Illness Insurance for a spouse or common-law spouse, provided he or she is under Age 65 and resident in Canada or Bermuda. More

Limitations and Exclusions

Payment of any benefit under the Critical Illness Plan is subject to specific and general limitations and exclusions.


	CPA Select Insurance Plans are sponsored by the Chartered Professional Accountants of Ontario and underwritten by The Manufacturers Life Insurance Company (Manulife).