Focus on recovery with CoverMe^® Critical Illness Insurance

What does CoverMe^® Critical Illness Insurance cover?

CoverMe Critical Illness Insurance pays your benefit if you survive 30 days after you are diagnosed with one of 5 covered conditions.

Life-threatening cancer

What's included?

A definite diagnosis by a specialist of a tumour characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. You must inform Manulife within six months of the date of diagnosis or your claim may be denied.

What's excluded?

Cancers that are not generally considered life threatening and are readily treatable:

• Carcinoma in situ
• Stage 1A malignant melanoma (melanoma less than or equal to 1.0 mm in thickness, not ulcerated and without Clark level IV or level V invasion)
• Any non-melanoma skin cancer that has not metastasized
• Stage A (T1a and T1b) prostate cancer

In addition, CoverMe Critical Illness insurance does not cover cancers diagnosed during the first 90 days of coverage or cancers whose symptoms first appear during the first 90 days. Consequently, any other covered condition diagnosed during the first 90 days that results from cancer or the treatment of cancer is not eligible for payment under this plan.

Heart attack

What's included?

A definite diagnosis by a specialist of the death of heart muscle due to obstruction of blood flow that results in the rise and fall of biochemical cardiac markers to levels considered diagnostic of myocardial infarction, with at least one of the following:

• Heart attack symptoms
• New electrocardiogram (ECG) changes consistent with a heart attack
• Development of new Q waves during or immediately following an intra-arterial cardiac procedure including, but not limited to, coronary angiography and coronary angioplasty

What's excluded?

• Elevated biochemical cardiac markers as a result of an intra-arterial cardiac procedure including, but not limited to, coronary angiography and coronary angioplasty, in the absence of new Q waves
• ECG changes that do not meet our definition of heart attack, described above

Stroke

What's included?

A definite diagnosis by a specialist of an acute cerebrovascular event caused by intra-cranial thrombosis or haemorrhage, or embolism from an extra-cranial source, with both of the following corroborated by diagnostic imaging testing and pesisting for more than 30 days following the date of diagnosis:

• Acute onset of neurological symptoms
• New objective neurological deficits on clinical examination

What's excluded?

Transient ischemic attacks, or intracerebral vascular events due to trauma or lacunar infarcts.

Coronary artery bypass surgery

What's included?

The undergoing of heart surgery, determined medically necessary by a specialist and performed by a physician, to correct narrowing or blockage of one or more coronary arteries with bypass graft(s).

What's excluded?

Any non-surgical or trans-catheter techniques such as balloon angioplasty or laser relief of an obstruction.

Aortic surgery

What's included?

The undergoing of surgery, determined medically necessary by a specialist and performed by a physician, for disease of the thoracic or abdominal aorta requiring excision and surgical replacement of the diseased aorta with a graft.

What's excluded?

Surgery on the branches of the aorta.

Additional conditions, exclusions and limitations that apply to all covered conditions

No benefit will be payable if you suffer a covered condition that results directly or indirectly from, or is in any way associated with:

• Intentional self-inflicted injuries
• Intentional use or intake of:
  1. Any prescription drug or narcotic other than as instructed by a physician
  2. Any drug or narcotic legally available for sale in Canada without a prescription, other than as recommended by the manufacturer
  3. Any drug or narcotic not legally available in Canada
  4. Any poisonous substance or intoxicant, including alcohol
• Committing or attempting to commit a criminal offence
• Operation of a motor vehicle while the concentration of alcohol in 100 milliliters of blood exceeds 80 milligrams

No benefit will be payable if the insured suffers a covered condition at any time during the 24-month period following the effective date of the policy or the date of the last reinstatement that results directly or indirectly from, or is in any way associated with, a pre-existing condition. A pre-existing condition is an illness or condition for which, during the 24-month period prior to the effective date of the policy, the insured was diagnosed or was treated, hospitalized or attended to by a physician or was advised to seek treatment or consult a physician; was prescribed or took medication; showed indications, signs or symptoms or underwent tests or investigations.

No benefit will be payable where a covered condition is diagnosed in a jurisdiction other than Canada or the United States, unless the insured makes all requested medical records available to the insurer and the insurer is satisfied that:

• The same diagnosis would have been made if the covered condition had occurred in Canada or the United States
• The physician making the diagnosis was licensed to practise in the jurisdiction in which the diagnosis was made and had medical credentials equal to those required in Canada or the United States
• The diagnosis is fully supported by all appropriate diagnostic tests and other investigation that would normally be undertaken in Canada or the United States (including those required by the policy)
• The same type of surgery or procedure as required under the policy in order for the benefit to be payable would have been advised if the diagnosis had been made in Canada or the United States

Where the diagnosis is made in a jurisdiction other than Canada or the United States, the insurer shall also have the right to request that an insured person undergo an independent medical examination by a physician appointed by the insurer.

Your policy cannot be cancelled unless you stop paying the premiums