Critical Illness Insurance

Protect your finances from a critical illness

Half of Canadians have experienced a critical illness like a stroke, heart attack or cancer. 42% of them say it caused them some degree of financial hardship1.

Many expenses aren't covered by your provincial health plan. It could mean dipping into your savings or retirement nest egg.

If you become sick with an illness covered by your policy and survive the waiting period, CDHA’s Critical illness (CI) insurance for dental hygienists helps you focus on your recovery, not your finances.

Critical illness insurance…

  • Is paid whether or not you are able to work
  • Is a lump-sum payment you can spend any way you like
  • Can help you with daily expenses to maintain your lifestyle
  • Gives you financial freedom to seek alternative treatment options
  • Helps cover costs not paid by your provincial health plan
  • Can assist a family member with their expenses while they care for you

How does Critical illness insurance make a difference?

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Watch this short video to find out why it’s so versatile and how it protects you and your finances.

Why choose CDHA Critical illness insurance?

  • Your CDHA policy will cover 25 illnesses, many more than the average policy
  • CDHA group rates

You're eligible if you are:

  • A CDHA member in good standing;
  • Under age 65;
  • A Canadian resident

Meet the criteria? You can get CI insurance for:

  • You

  • Your spouse

  • Dependent children

How much coverage can you apply for?

  • You and your spouse: $30,000 to $300,000, in units of $10,000
  • Dependent children: $5,000 to $20,000, in units of $5,000

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.

Find out more

Full descriptions and any exclusions are in the plan brochure, but here's a list of critical illnesses covered:

Covered Adult Illnesses

  • Aortic Surgery
  • Aplastic Anemia
  • Bacterial Meningitis
  • Benign Brain Tumour
  • Blindness
  • Cancer (Life-threatening)
  • Coma
  • Coronary Artery Bypass Surgery
  • Deafness
  • Dementia, including Alzheimer's Disease
  • Heart Attack
  • Heart Valve Replacement or Repair
  • Kidney Failure
  • Loss of Independent Existence
  • Loss of Limbs
  • Loss of Speech
  • Major Organ Failure on Waiting List
  • Major Organ Transplant
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Occupational HIV Infection
  • Paralysis
  • Parkinson's Disease and Specified Atypical Parkinsonian Disorders
  • Severe Burns
  • Stroke (cerebrovascular accident)

Covered Child(ren) Illnesses

  • Cerebral Palsy
  • Congenital Heart Disease
  • Cystic Fibrosis
  • Down's Syndrome
  • Muscular Dystrophy
  • Type 1 Diabetes Mellitus

Get a quick online quote

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:

  • Hostile action of any armed forces, insurrection or participation in a riot or civil commotion
  • Intentionally self-inflicted injuries or attempted suicide, regardless of whether the insured person has a mental illness of intends or understand the consequences of their actions
  • Participation in a criminal offence
  • Any illness, disorder or surgery not specifically defined under Covered Critical Illness Conditions
  • Using illegal or illicit drugs or substances, or misuse of drugs or alcohol
  • Death of the insured during the required survival period described in the detailed definitions table
  • Coverage is on the first condition only

More details are in the plan brochure.

Source: 2016 Sun Life Canadian Health Index.


Call us at 1-800-669-7921
Mon to Fri 8:00 a.m. to 8:00 p.m. ET

Sun Life Assurance Company of Canada is the insurer of this product, and is a member of the Sun Life group of companies.