Health Insurance

Because your ability to earn an income is your most valuable asset. It provides all of the basics of life: food, transportation, clothing, mortgage or rent and the things you do for fun. When you are sick and disabled, you need cash to pay the bills if your paycheque stops.

No one plans on getting sick, but did you know:

• One in three Canadians will develop some form of life-threatening cancer during their lifetime and it is estimated that 149,900 new cancer cases will be diagnosed. ¹
• One in four Canadians will contract some form of heart disease during their lifetime and approximately 75,000 Canadians suffer heart attacks each year. More than 50,000 Canadians suffer from strokes each year. ²
• Over 250,000 Canadians suffer from Alzheimer’s Disease. ³

Our Health Insurance plans include:

The Enhanced Critical Conditions Policy – Provides a lump sum amount to meet unforeseen expenses if diagnosed with one of the following 17 conditions: life-threatening cancer (except skin cancer), carcinoma-in-situ, stage "A" Prostate Cancer, heart attack, coronary artery bypass graft surgery, valve replacement, stroke, organ transplant (heart, kidney, liver, lung or pancreas), kidney failure, brain tumour, paralysis (2 or more limbs), severe burns, blindness, loss of hearing, loss of speech, occupational HIV. Sold to individuals ages 18 to 64.

Cancer Disability Policy – A comprehensive plan that pays a daily benefit when hospitalized and continues the daily benefit when recuperating at home while totally disabled. The policy also pays daily benefits for outpatient treatment including surgery, chemotherapy or radiation treatment. Offered to individuals ages 18 to 64.

Sickness Disability Plan – Designed to provide benefits when disabled due to sickness. This policy is available regardless of whether the individual is employed or not. Offered to individuals ages 16 to 69.

The Sickness Hospitalization Plan – Offered to individuals 6 months old to age 69. Pays benefits:

• If confined in a hospital overnight as an inpatient.
• If intensive care is required.
• For recovery income following confinement in a hospital overnight as an inpatient.
• For outpatient surgery recovery if not hospitalized.

Refer to the policy for exclusions and limitations

¹ Canadian Cancer Society : Canadian Cancer Statistics 2005.
² Heart and Stroke Foundation of Canada, ww1.heartstroke.ca.
³ Alzheimer’s Society of Canada.

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