We’ve seen many residents in Saskatchewan go without coverage for critical illnesses because they believe their health will prevent them from obtaining the protection they need. With our Critical Illness Plan, we make getting insured for debilitating conditions as easy as possible. There are no medical exam requirements, no face-to-face meetings with agents, and no paperwork to complete when you apply.
The details of our Critical Illness Plan and how it works for
residents of Saskatchewan
You cannot be denied coverage
We only have two requirements for our policy: be between 18-69 and have a permanent residence in Saskatchewan.
Heart attack, stroke, cancer and more
Our Critical Illness Plan offers financial security in the event you are diagnosed with one of over 20 covered conditions.
Simplified protection
With our plan, there are no medical exams to worry about when applying. Your health has no impact on your overall eligibility.
Easy application process
Our online applications are quick and easy, with no mountains of paperwork to complete to be eligible for coverage.
Try it out with no obligation
We give you 30-days to ensure the coverage is working best for your needs. If you are not satisfied with your plan, we’ll give you a full refund.
Get instantly approved
Once you purchase the plan, you don’t have to wait days or weeks to be active. You immediately know when you are approved for coverage.
Financial security
The plan provides up to $25,000 in entirely tax-free living benefit amounts paid directly to you.
A breakdown of covered conditions
Our Critical Illness Plan offers full coverage for up to 21 serious conditions and partial coverage for three debilitating conditions.
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
We are market leaders in critical illness coverage in Saskatchewan. Our Critical Illness Plan sets us apart from other insurers because we do not require medical exams or face-to-face meetings to get the coverage you need. If you want to learn more about your plan options and get a free no-obligation quote, please use our short online application now.
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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