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Critical Illness Information


Is this plan right for you?

Before you apply for Critical Illness Insurance, it is important that you understand that this plan is not available to you if you or your spouse (if applying) have 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 artery 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

Have you ever had any of the above conditions or procedures?

Important information:
  • Volume savings - For purchases of Critical Illness coverage of $125,000 or more per policy, a 10% rate reduction will apply to all of that person's Critical Illness coverage under this Plan.
  • Age - “Age” is attained age at policy anniversary date. Please note that premiums increase with age, as specified in the premium rates table. "Age" for the purpose of the policy is attained age at the beginning of each policy year (June 1st).
  • Premium - Premium rates may change at the Policy Anniversary date (June 1). Provincial taxes may apply. Please note, all quotes are based on current rates and are subject to change without notice.
  • Approval is based on satisfactory evidence of insurability and financial need.
Residents of New Brunswick and Quebec cannot apply for coverage online. Applications are available to download in the Resource Centre or you may contact Manulife toll-free at 1 866 219.4245 or by e-mail at to request an information package.