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.
With Express Critical Illness Insurance, you have 3 plans to choose from. Explore each plan below, to find out which plan best matches your needs. Get a free online quote.
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.
Before you enrol, make sure you read the sample policy and understand theincluding the exclusion for pre-existing conditions. When you enrol, we'll ask you to answer the health declaration statements.
Rates are based on age, gender and smoking status. Every year, they’ll increase as you get older.
Sun Life Assurance Company of Canada is the insurer, and is a member of the Sun Life Financial group of companies. Sun Life Assurance Company of Canada is licensed to offer life and health insurance in all jurisdictions in Canada.
1 There are no specific income tax laws for critical illness insurance. Based on current tax laws, we believe any cash benefit from critical illness insurance will not presently be taxed when the policy is owned by an individual and the benefit is payable to an individual.
2 If you are diagnosed with one of the covered conditions and survive the 30-day waiting period, you'll receive a lump-sum payment once your claim is approved. With the exception of cancer, no benefit is payable for a recurrence or metastasis of an original cancer that was diagnosed before the policy date. No benefit is payable for non-life threatening cancers and all cancer diagnoses are subject to a 90-day no claim period.
3 Diagnosis of a critical illness must occur after the effective date of coverage and you must complete a survival period (usually 30 days).
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