Minimize the financial impact of a serious illness
No one plans to get seriously ill. But you can plan ahead for unexpected expenses in case you do get sick. Express Critical Illness Insurance has 3 plans that offer coverage for 1 to 7 common life-threatening illnesses or conditions. If you're diagnosed with one of the covered conditions and survive 30 days you will receive a tax-free1, lump-sum2 payment3 to use any way you wish.
You should consider this product if:
- You feel that either $25,000 or $50,000 coverage is sufficient protection
- You want instant online approval – with no medical exam or blood work required
- You like the idea of a 30-day free look to make sure this coverage is right for you
Quebec residents will need to talk with a licensed representative to complete an application.
- 18 – 65 years old when you buy the policy
More about all of these plans:
- Monthly pre-authorized chequing or credit card
- As soon as you're approved
Coverage ends when any of these happens:
- A claim is paid
- The policy is cancelled
- The policy anniversary after the insured person's 70th birthday
- The insured person dies
30-day free look
If you decide your new policy doesn’t meet your needs, you can cancel it within 30 days of receiving it or 60 days after we issue it (whichever date is earlier). We’ll refund your money.
Exclusions & limitations
Before you enrol, make sure you read the sample policy and understand the Definitions & Exclusions including the exclusion for pre-existing conditions. When you enrol, we'll ask you to answer the health declaration statements.
Cost of this plan
Rates are based on age, gender and smoking status. Every year, they’ll increase as you get older.
- Call us at 1-800-669-7921. This number will also be listed at the beginning of the policy. We’ll send you the appropriate form to fill out.
- Fill out the form and mail it to us at the address listed on the form. Include any information we ask for to assess the claim. This may include:
- proof that you have the right to receive the benefit,
- proof that you had a covered critical illness while your policy was in effect,
- a written diagnosis which describes the conditions and the cause of the illness and
- your complete medical records.
Notes on the written diagnosis:
- The written diagnosis must include appropriate information to assess the illness. A specialist licensed and practising in Canada (or another doctor acceptable to us) must prepare and sign it.
- The doctor, specialists or health care practitioners who sign the diagnosis – or provide information to us – may not be:
- the owner of the policy,
- a person insured under the policy,
- a person entitled to make a claim under the policy or
- a relative or business associate of these people.
Keep in mind:
- Doctors may charge a fee to fill out certain forms. You are responsible for any fees for this information.
- In some cases, we may choose health practitioners to examine you. These may be licensed physicians, physiotherapists, occupational therapists, psychiatrists, psychologists, neurologists or others. We’ll cover the cost of these examinations.
- You must send us a claim while your policy is in effect and within 1 year of the date the insured person is diagnosed or has surgery for a covered critical illness.
- Within 1 year of the date the insured person has a covered critical illness.
- If you make a claim outside of this time period, we won’t assess the claim or make any payment.
- If the claim meets all the policy conditions, we’ll pay within 60 days of receiving the proof required to assess the claim.