Minimize the financial impact of a serious illness

No one plans on becoming 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

Plan details:

Illnesses covered

  • Basic plan: cancer
  • Enhanced plan: cancer, heart attack, stroke
  • Comfort plan: cancer, heart attack, stroke, coronary artery bypass surgery, aortic surgery, major organ transplant, major organ failure on waiting list

Age requirements

  • 18 to 65 years old

Coverage amounts

  • Basic plan: $25,000
  • Enhanced plan: $25,000
  • Comfort plan: $50,000

Additional benefits

These additional benefits are included in the Comfort plan only:

  • Rate guarantee for the first 5 years
  • Inflation protection
  • Best Doctors® services – a valuable service that connects seriously ill individuals and their treating physician with world-renowned specialists to confirm the right diagnosis and right treatment options
  • Add your child(ren) for only $2.50 monthly per child


  • Monthly pre-authorized chequing or credit card

Coverage begins

  • As soon as you're approved

Coverage ends

  • When a claim is paid
  • When the policy is cancelled. You can cancel at any time and there is a 30-day free-look period
  • The policy anniversary after the insured's 70th birthday
  • When the insured person dies

Coverage limitations

Before you enrol, make sure you read the sample policy and understand the   Definitions & Exclusions including the pre-existing conditions. When you enrol, you will be asked to answer the health declaration statements.

Cost of this plan

Rates are based on age, gender and smoking status, and increase with age annually.

Sample policies