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Critical Illness Insurance
Critical Illness Insurance is one of the fastest growing products in the insurance industry and is in demand from groups of all sizes. Adding Critical Illness Insurance to a benefit plan can enhance an employer’s compensation package or an Affinity group’s membership privileges. Our plans can be purchased as part of a group insurance program, or as a stand-alone benefit.
Two Critical Illness Insurance plans are available – Basic and Voluntary coverage:
Basic Coverage – Group Critical Illness Insurance (no medical evidence required)
IAP’s Group Critical Illness Insurance is the most comprehensive basic group plan available in Canada today:
25 Covered Conditions:
COVERED CONDITIONS |
| Alzheimer’s Disease |
Deafness |
Major Organ Transplant |
| Aortic Surgery |
Heart Attack |
Motor Neuron Disease |
| Aplastic Anemia |
Heart Valve Replacement |
Multiple Sclerosis |
| Bacterial Meningitis |
Kidney Failure |
Occupational HIV |
| Benign Brain Tumour |
Loss of Independent Existence |
Paralysis |
| Blindness |
Loss of Limbs |
Parkinson’s Disease |
| Cancer (Life-Threatening) |
Loss of Speech |
Severe Burns |
| Coma |
Major Organ Failure on Waiting List |
Stroke |
| Coronary Artery Bypass Surgery |
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Multiple Event Coverage – unlimited claims for unrelated illnesses |
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AdvanceCare Benefit – 10% Benefit Payment for Early Stage Cancers and Coronary Angioplasty |
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Spouse and Dependent Child coverage options available |
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Optional Waiver of Premium |
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No termination age |
Voluntary Coverage
Voluntary plans can be designed to compliment IAP’s Group Critical Illness Insurance coverage, or as a stand-alone product for Affinity Groups.
Both the Basic and the Voluntary plans offer the following additional features:
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Conversion options after coverage has been in force for 24 months. |
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Access to OneWorld Medicare’s Treatment Management Service to help the insured person’s Critical Illness benefit go further in accessing a second opinion or alternative treatment. |
Please contact our regional office closest to you for further information about Critical Illness Insurance or any of SMG’s products.
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