Manulife Financial
From the Institute Member's Plans Resource Centre New Member
From the Institute Members' Plans Resource Centre New Member Offer


Critical Illness Insurance
Definitions,Limitations and Exclusions
18 Covered Conditions:

1. Life-Threatening Cancer
2. Heart Attack (Myocardial Infarction)
3. Stroke
4. Coronary Artery Bypass Surgery
5. Kidney Failure
6. Major Organ Transplant and Major Organ Failure on Waiting List
7. Blindness
8. Deafness
9. Multiple Sclerosis
10. Paralysis
11. Coma
12. Burns
13. Loss of Speech
14. Loss of Limbs
15. Motor Neuron Disease (ALS/Lou Gehrig's Disease)
16. Aortic Surgery
17. Alzheimer’s Disease
18. Parkinson’s Disease


General Exclusions and Limitations


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 above.

For Cancer, the following cancers are excluded from coverage:
  • carcinoma in situ
  • Stage 1A malignant melanoma (melanoma less than or equal to 1.0 mm in thickness, not ulcerated and without level IV or V invasion)
  • any non-melanoma skin cancer that has not become metastatic (spread to distant organs)
  • stage A (T1a or T1b) prostate cancer
  • any tumour in the presence of any Human Immunodeficiency Virus (HIV)
Limitation: No benefit will be available under this condition if within the first 90 days following the effective date of the certificate, the insured has any of the following:
  • signs or symptoms of cancer that lead to a diagnosis of cancer (covered or excluded under the policy), regardless of when the diagnosis is made,
  • medical consultations or tests that lead to a diagnosis of cancer (covered or excluded under the policy), regardless of when the diagnosis is made,
  • a diagnosis of cancer (covered or excluded under the policy).



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