Group Critical Illness Insurance

Coverage and Eligibility

Lump sum benefit paid when diagnosed with one of the following critical illnesses:

Alzheimer?s Disease, Aortic Surgery, Aplastic Anemia, Bacterial Meningitis, Benign Brain Tumor, Blindness, Cancer (life threatening, additional restrictions apply for breast, prostate, and skin), Coma, Coronary Artery Bypass Surgery, Deafness, Dilated Cardiomyopathy, Fulminant Viral Hepatitis, Heart Attack, Heart Valve Replacement, Kidney Failure, Liver Failure (advanced stages), Loss of Independant Existence, Loss of Limbs, Loss of Speech, Major Organ Failure (on waiting list), Major Organ Transplant, Motor Neuron Disease, Multiple Sclerosis, Muscular Dystrophy, Occupational HIV Infection, Paralysis, Parkinson?s Disease, Primary Pulmonary Hypertension (idiopathic pulmonary arterial hypertension and familial pulmonary arterial hypertension), Progressive Systemic Sclerosis, Severe Burns, and Stroke (cerebrovascular accident).

There is a 30 days surival period from date of diagnosis. Written notification must be received within 30 days of the event.

Maximum Coverage

Flat amount of $30,000

  Non-Smoker Smoker
Age at Apr 1 Male Female Male Female
20-24 1.98 1.98 2.31 2.31
25-29 2.64 2.64 3.30 3.30
30-34 3.96 3.96 5.94 5.94
35-39 6.27 6.27 10.23 9.24
40-44 9.24 9.24 17.49 14.85
45-49 13.86 13.53 31.02 23.43
50-54 22.11 19.14 56.10 35.97
55-59 38.94 28.71 100.65 59.07
60-54 65.67 43.89 161.37 93.06
65 Coverage Terminates

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Limitation and Exclusions

If you are a diagnosed with Coronary Angioplasty, Ductal Carcinoma, Stage A Prostate Cancer or Stage 1A Malignant Melanoma, Desjardins Insurance will pay a benefit of $3,000.

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Termination of Coverage

On April 1st coincident with or next following your 65th birthday; on the death of the insured or lapse of the policy.

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Waiver of Premiums

Premiums will be waived retroactively after 6 months of total disability.

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