You can own an individual policy between the ages of 18 and 70 years old.   

You must be a Canadian citizen or landed immigrant who maintains a permanent residence in Canada. You must read and speak English or French, and  be between 18 years and 70 years.

You can own this policy for your lifetime – the policy terminates once the benefit has been paid out for a covered condition.

After the policy has been in force for 10 consecutive years, and the insured dies from a cause other than one of the covered conditions – all premiums paid will be returned to the Beneficiary.

Best Doctors brings together the best medical minds in the world to help you get the right diagnosis, treatment and information when you’re facing any type or degree of medical uncertainty.
Best Doctors will help you:
• Get the right diagnosis, treatment and information;
• Obtain an expert opinion;
• Find a specialist within or outside Canada;
• Navigate the health care system;
• Understand your medical condition.
One call to Best Doctors and a Member Advocate, a Registered Nurse, becomes
your personal health ambassador, reaching out to the medical community on your
behalf and in complement of the care you receive from your own physician.

Our Living Benefit Critical Illness Protector policy will pay you for loss due to one of the following covered conditions:
1. Life-threatening cancer
2. Carcinoma-in-situ*
3. Stage A prostate cancer*
4. Aortic Surgery
5. Aplastic Anemia
6. Blindness
7. Benign brain tumour
8. Coma
9. Coronary artery bypass graft surgery
10. Deafness

11. Dismemberment

12. Heart attack 

13. Heart valve replacement

14. Kidney failure

15. Loss of speech 

16. Major organ transplant**

17. Occupational HIV

18. Paralysis

19. Severe burns

20. Stroke 

21. Traumatic Head Injury

*As you can see above, we even cover for two non-life threatening cancers up to
25% of your chosen face amount.

If you are diagnosed with another covered condition in the future, we will pay the
remaining 75% of your chosen face amount, provided you survive by the period
outlined in your policy.

After Full Benefits Are Paid For A Covered Loss, Your Policy Terminates.

10% of Policy Benefit is paid Day 1 of Diagnosis and remaining 90% is paid after 14 day survival. 

You can chose 3 Cancers – 18 conditions not including Cancer or 21 Conditions

Benefits range from 10,000, 15,000 25,000 50,000 or 100,000. 

Premiums are based on the benefit selected at time of application, age of client as well as your Health situation.  Preferred rates are available for those who are in good health.

Pre authorized withdrawal from a checking account is set up during the application process for the initial premium which comes out within 3 – 5 days of application submission.  Once the underwriting department has completed their review of the application it is issued, if there are any changes to the premium, you will be notified in writing and need to approve any changes.  If application is declined, your initial Premium is returned to you.