ICAO: CA Select - Critical Illness Insurance

$25,000 coverage is yours guaranteed regardless of health
(subject to pre-existing conditions) now through December 15, 2009 only.
APPLY TODAY!

When you’re diagnosed with a major medical condition, the last thing you need is to be worried about money. CA 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:

BEST DOCTORS� Inc., Care Management Services

Included at time of claim are free services by the renowned Best Doctors� Inc. to help you understand your condition, locate medical care and manage your treatment:

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 for treatment options.
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.
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. The feature also provides confirmation of your recovery management arrangements, including travel, lodging and medical appointments; hospital estimates; pre-admission; hospital discounts; claims processing; and around-the-clock patient services.

For more information, visit the Best Doctors� website at www.bestdoctorscanada.com.

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 Financial'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 one of the Institutes of Chartered Accountants of Ontario, New Brunswick, Prince Edward Island, Newfoundland and Labrador, Nova Scotia 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

*Coverage is not available to any applicant who has had any of the following conditions or procedures:

Active hepatitis, AIDS or AIDS-related disease
Alcohol abuse in the past five years
Alzheimer's disease
Any heart condition or heart trouble (excluding controlled hypertension)
Cancer - all cancer except basal cell skin cancer
Coronary bypass surgery
Diabetes
Heart attack
Huntington's chorea
Kidney disease - other than kidney stones or a history of kidney infection
Lou Gehrig's disease - amyotrophic lateral sclerosis (ALS)
Major organ transplant recipient
Multiple sclerosis
Permanent paralysis (paraplegia, quadriplegia) - other than Bell's Palsy
Pulmonary fibrosis
Stroke - cerebrovascular accident
Transient Ischemic Attack

Limitations and Exclusions

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


	The CA Select Insurance Plans sponsored by the Institute of Chartered Accountants of Ontario (The Institute) are underwritten by The Manufacturers Life Insurance Company (Manulife Financial).