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All coverage is subject to medical evidence. Your coverage becomes effective upon the date your application is approved and when we receive your premium payment.
Full descriptions and any exclusions are in the plan brochure, but here's a list of critical illnesses covered:
To help you determine your monthly premium, use our easy-to-use free online quote tool.
Pre-existing condition for any coverage that did not required proof of good health, no benefits are payable for any covered CI condition that occurs within 24 months of the effective date of the coverage and that resulted from any injury, illness, or medical condition (whether or not Diagnosed) for which the Insured had signs, symptoms, consulted a Physician or other health care practitioner or was provided any health -related care, advice or treatment, or that a reasonably prudent person with such injury, illness, medical condition, signs or symptoms would have consulted a Physician or any other health care practitioner, during the 24 months prior to the effective date of the Insured’s coverage.
This exclusion does not apply where the Child Moratorium Period Exclusion applies or to any dependent child who is born or adopted later than 10 months after the date the member becomes covered for Child Critical Illness.
Diagnosis of a critical illness must occur after the effective date of coverage and you must complete a survival period (30 days) and your claim must be approved by Sun Life Assurance Company of Canada.
There is no payment for claims related to one or more of the following:
More details are in the plan brochure.
1 Source: 2016 Sun Life Canadian Health Index.
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Sun Life Assurance Company of Canada is the insurer of this product, and is a member of the Sun Life group of companies.