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Manulife Financial University of Toronto Alumni
Insurance Plans

Critical Illness Insurance
Don't face the fight of your life empty-handed

Despite medical advances, critical illness is still common. Because of these advances, more people survive critical illness. However, increased survival rates also increase financial burdens.

If you are diagnosed with a critical illness, you could quickly find yourself struggling financially.

Critical Illness insurance offers up to $250,000 cash which may give you the financial stability you need to recover fully from your condition, without financial worries or lifestyle compromises.

10% savings. You can enjoy a rate reduction on premiums for coverage amounts of $125,000 or more.

Benefit amount paid to you in a lump sum. Unlike life insurance, the Critical Illness benefit amount is paid directly to you rather than to a beneficiary. Unlike disability payments that you receive monthly while disabled, Critical Illness insurance is paid out once in a lump sum.

Health Service Navigator® (included at no extra cost). With Health Service Navigator, you and your eligible family members can quickly and easily get answers to your questions and access to support services. Easily accessible on the web or with a simple call to a dedicated toll-free line you will be connected to Health Service Navigator where 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. For more information, visit www.manulifehealth.ca

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

Return of premium. If the insured (you or your spouse) dies while the coverage is in force, and has not received a Critical Illness payment, a death benefit will be payable to the estate of that individual. This death benefit will be equal to 100% of the premiums paid for that individual's coverage under this plan, up to the date of death.

Covered conditions:

Life-threatening Cancer
Heart Attack (Myocardial Infarction)
Coronary Bypass
Major Organ Transplant
Kidney Failure

Don’t forget to read the fine print:

Limitations and exclusions

Check the rates
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