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Canadians in Nova Scotia and across the nation diagnosed with a critical condition know how difficult it can be to ensure their family’s daily lives remain financially secure while they try to recover. Our Critical Illness Plan helps provide a living benefit that can cover daily living expenses and replace your income if you cannot work due to your illness.

A quick look at our Critical Illness Plan for residents of Nova Scotia

Simple applications

There is never any need to meet face-to-face with agents when you apply. Everything from getting a free quote to discovering plan options to purchasing a plan can all be completed on our site.

Insurance made easy

No medical exams are required to be eligible for coverage or to get your free no-obligation quote.

Complete coverage for over 20 conditions

Our plans provide coverage for a range of critical illnesses, including cancer, heart attack and stroke.

Instant approval

There are zero waiting periods for most plans, meaning you get your policy the same day you apply.

Satisfaction guaranteed

Take thirty days to review your coverage. If you don’t get peace of mind from your critical illness plan, cancel it, and you will get a full refund.

Easy Eligibility

There are just two eligibility criteria required to apply: You must be between ages 18 to 69 and have a permanent residence in Nova Scotia.

Guaranteed protection

Protect the financial future of your loved ones with Critical Illness life insurance up to $25,000.

A breakdown of our covered conditions
We provide Nova Scotians with reliable and comprehensive coverage for a wide range of critical illnesses.
See the full breakdown of our covered conditions now.
  • Alzheimer’s disease
  • Aorta surgery
  • Benign brain tumor
  • Blindness
  • Cancer
  • Coma
  • Coronary artery bypass surgery
  • Deafness
  • Dismemberment
  • Heart attack
  • Heart valve replacement
  • Loss of speech
  • Major organ failure
  • Major organ transplant
  • Motor neuron disease
  • Multiple sclerosis
  • Occupational HIV Infection
  • Paralysis
  • Parkinson’s disease
  • Severe burns
  • Stroke
  • DCIS
  • Early stage prostate cancer
  • Loss of independence

With our quick and straightforward application process, our Critical Illness Plan allows more residents in Nova Scotia to find and purchase the coverage they need without worrying about their current health or family health history, from the comfort of their home.

Get your free no-obligation quote now and discover your critical illness plan options with our easy-to-use online application.

Find out more about our plan details:

All claims are subject to a 30-day survival period following a diagnosis. Death that occurs during this time will not result in payable benefits.

Benefits will not be paid for insured conditions, child insured conditions or additional benefit conditions caused directly or indirectly, by or contributed to by any of the following:

  • Suicide or any intentionally self-inflicted injury, while sane or insane;
  • Declared or undeclared war, terrorism, riot, insurrection, service in the armed forces of any country or government or international organization;
  • A complication of Human Immunodeficiency Virus (HIV) infection or any variance thereof including AIDS and AIDS related complex;
  • Committing or attempting to commit a criminal offense, or while in prison; or
  • The misuse of medication, the abuse of drugs/intoxicants, or from having a blood alcohol level of 80 milligrams of alcohol in 100 milliliters of blood.

Pre-existing Condition Exclusion

Benefit will not be paid for any pre-existing condition.

Within the first 2 years: an insured condition such as, for example, a heart attack, will not be covered if it was caused by a pre-existing condition such as, for example, hypertension. After 2 years, this exclusion will no longer apply.

90-Day Cancer Exclusion

Benefits will not be paid of any amount for cancer, early-state prostate cancer treatment of DCIS for a period of 90 days from the effective date of the policy or the date of its reinstatement, whichever is sooner.

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