Comprehensive critical illness coverage

Sun Critical Illness Insurance gives you the advantage of comprehensive coverage in amounts from $25,000 to $2.5 million for adults and for $25,000 to $250,000 for children.

The adult plans covers 26 critical illnesses for full payout (including acquired brain injury) and 4 for partial payout for minor illnesses.  The child plans cover an additional 5 illnesses.

You may also choose from a range of optional benefits including return of premium on death, cancellation or expiry, disability waiver, loss of independent existence (automatically included for children when they reach age 18) and the right to convert your plan to long term care insurance.

Best Doctors® services are also available to help you understand your medical condition and treatment options so you can make informed decisions about your healthcare. 

You should consider this product if:

  • You want to protect your financial plan against the risk of an unexpected illness with higher coverage amounts
  • You are between age 18 to 65 and want protection that covers a broader range of illnesses
  • You want to protect children or grandchildren with their own insurance coverage that they can have for life

Plan details:

When you choose Sun Critical Illness Insurance, your policy defines the illnesses for which you are covered. You must meet the definition and the associated survival period to receive the benefit.

Illnesses covered

Additional illnesses covered

  • Loss of independent existence is an optional additional illness available on adult plans and can be added at an additional cost.
  • This illness is included in child plans, and a claim can be made after the policy anniversary nearest the child's 18th birthday.

Age requirements

  • You must be between the age of 18 and 65.
  • Children can be covered if they are between the age of 30 days and 17 years.
  • Child plans become adult plans, without any medical review, when the insured person reaches age 18.

Available plans

Coverage automatically renews at the end of each 10-year term, and the renewal premiums are guaranteed.

This plan provides coverage to the policy anniversary nearest the insured person’s 75th birthday. Coverage will end earlier when:

  • A claim is paid for a full payout illness
  • The insured person dies, or
  • The policy is cancelled

Premiums stay the same during the payment option chosen. There are 2 payment options:

  • Pay to age 75
  • Pay for 15 years

This plan provides coverage to the policy anniversary nearest the insured person’s 75th birthday. Coverage will end earlier when:

  • A claim is paid for a full payout illness
  • The insured person dies, or
  • The policy is cancelled

Premiums stay the same during the payment option chosen. There are 3 payment options:

  • Pay to age 100
  • Pay for 15 years
  • Pay for 10 years

At the end of the payment period, coverage continues for life. Coverage will end earlier when:

  • A claim is paid for a full payout illness
  • The insured person dies, or
  • The policy is cancelled

Coverage amounts

  • Adult plans: $25,000 to $2.5 million
  • Child plans: $25,000 to $250,000. In some cases, we'll consider coverage up to $1,000,000

Additional services

Best Doctors® services are available to help you understand your medical condition and treatment options so you can make informed decisions about your healthcare1.

1Best Doctors isn’t part of the policy. We can’t guarantee its availability. It may be withdrawn at any time.

BEST DOCTORS® and other trademarks shown are trademarks of Best Doctors, Inc. Used under license.

Optional benefits

These benefits can be added to enhance your plan at an additional cost:

  • If the insured person dies while the policy is in effect and no claim has been made, the beneficiary will receive 100% of the returnable premiums.
  • The returnable premium amount is the total of all premiums paid for the policy minus any premiums paid for the long term care conversion option, if included in the policy.
  • The returnable premium amount is reduced by any unpaid premiums plus interest.
  • The returnable premium amount for child policies will be further reduced by any automatic return of premium amount we have paid.
  • Return of premium on cancellation or expiry is offered on T10 and T75 plans.
  • Return of premium on cancellation is offered on T100 plans. T100 plans don't expire.

There are 2 options for adult plans: 

  • 15-year option. You can receive the returnable premiums if the policy is cancelled on or after the 15th policy anniversary.
  • Age-65 option. You can receive the returnable premiums if the policy is cancelled on or after the policy anniversary nearest the insured person's 65th birthday. This option is not available if the pay-for-10-years or pay-for-15-years payment option is chosen.
  • If the policy expires at age 75 and no claim for a full-payout-covered illness has been made, you can receive the returnable premiums.

There are 2 options for child plans:  

Option for plans that are paid over the life of the policy:

  • Automatic return of premium, for plans that are paid over the life of the policy. You receive an automatic return of 75% of the returnable premiums on the later of the 15th policy anniversary or the policy anniversary nearest the child’s 25th birthday. You can receive the remaining returnable premium amount if the policy is cancelled on or after the later of the 30th policy anniversary or the policy anniversary nearest the child’s 40th birthday.
  • Age-35 option, for plans when the pay-for-10-years or pay-for-15-years payment option is chosen. You can receive the returnable premiums if the policy is cancelled on or after the policy anniversary nearest the child’s 35th birthday.
  • If the T10 or T75 plan is chosen and no claim for a full-payout-covered illness has been made, you can receive the returnable premiums when the policy expires at age 75.

This is an optional benefit available to those age 18 to 55.

  • If the insured person becomes totally disabled (as defined in the policy) for a minimum of 6 months, we will waive the premium payments for the duration of the disability. Coverage remains in place unchanged.

The long term care conversion option gives you the right to convert critical illness insurance to a long term care insurance policy without the need to supply us with new medical information or a medical review.

  • You may apply for this benefit if you are between the ages of 18 and 50 when you purchase your plan and have included the loss of independent existence illness.
  • The conversion can be made starting on the policy anniversary nearest your 60th birthday until the policy anniversary nearest your 65th birthday.
  • The long term care insurance policy weekly benefit amount is calculated by dividing the critical illness insurance amount being converted by 200. The maximum amount that may be converted per insured person is $250,000 (for a weekly benefit amount of $1,250).
  • The long term care insurance policy will offer the choice of an unlimited benefit period.
  • Premiums for the new long term care insurance policy will be based on your age when you apply for conversion.

Cost of this plan

The premium you pay will depend on:

  • The type of plan you choose
  • The payment period you choose
  • Your gender, age, smoking status, medical history and other factors

Premium guarantee

Premiums are guaranteed as shown in your policy.

Sample policies

Read examples of text that can appear in a policy. Not all the provisions apply to every policy – it is simply for your reference. When we issue a policy it governs the legal relationship between Sun Life Financial and the client. An actual policy can have provisions that are somewhat different from those that you've read here.

 Term 10 (insured person: age nearest 18 - 65)

 Term 75 (insured person: age nearest 18 - 65)

 Term 75 - Limited pay (insured person: age 30 days - age nearest 17 years)

 Lifetime (insured person: age 30 days - age nearest 17 years)

 Lifetime - Limited pay (insured person: age nearest 18 - 65)