Protect yourself and your loved ones from the financial impact of critical illness with Canada’s most comprehensive coverage, at rates that fit your budget.
44 covered conditions (compared to the average of 20-30).
Find out if you’re approved online, instantly.
Cover the cost of things like out-of-pocket medical expenses, or lost income from time off work
Essential protection with budget-friendly monthly premiums
See why over 8 million Canadians across all provinces and territories choose Blue Cross Life insurance plans.
Rates never change throughout your term.
Term lengths from 10 to 30 years.
Coverage from $10,000 to $1 million.
No waiting period for 25 of 44 covered conditions.
Multiple payouts possible for certain conditions.
30-day grace period for missed payments.
100% tax-free payout for beneficiaries.
Free cancellation at any time, no fees or penalties.
30-day money-back guarantee.
Conditions covered
Application Process
Coverage amounts
Partially covered early-stage conditions
Fully covered severe conditions
Term lengths
Convertible
Fixed rate
Payout
Online application, with many applicants getting approved instantly and fully covered in under 20 minutes (support from licensed advisors available along the way.)
17 early-stage conditions
27 severe conditions
10, 15, 20, 25, or 30 years (up to age 85)
$10,000 to $1M
44 conditions covered
Lump-sum, 100% tax-free payout
Yes
Yes
Yes
Yes
Lump-sum, tax-free payout
0-8 early-stage conditions, on average
24-26 severe conditions, on average
10 or 20 years, on average (up to age 70 or 75)
$25,000 to $2.5M, on average
20-30 conditions covered, on average
Typically required to meet with or call an advisor and submit a paper application.
Female
Female
Age
$85.07
$117.63
$60.18
$44.80
$34.13
$39.35
$51.31
$48.59
$69.86
$98.25
$139.96
$108.39
$168.52
$70.26
$37.60
30
35
40
45
50
$91.34
$139.07
$60.80
$43.30
$32.61
Male
Male
Your critical illness insurance rates are determined by your age, desired term length, and how much coverage you need. Blue Cross Life offers affordable critical illness insurance prices covering the highest number of conditions in Canada.
Critical illness insurance is designed to provide you and your loved ones with a 100% tax-free, lump-sum payout in the event you are diagnosed with an unexpected, serious illness.
Blue Cross Life Critical Illness Insurance covers 44conditions, among the most in Canada, including:
Cancer
Heart Conditions
Neurological Conditions
Autoimmune Conditions
Sensory & Mobility Conditions
Transplants & Organ-Related Conditions
Cardiovascular Conditions & Procedures
Early-Stage Blood Cancers
Early-Stage Breast Cancer
Early-Stage Intestinal Cancer
Early-Stage Prostate Cancer
Early-Stage Skin Cancers
Early-Stage Thyroid Cancer
Other Forms Of Cancer
Mastectomies
Prostatectomies
Get trusted, comprehensive, and affordable critical illness coverage, so you can focus on getting better.
Financial support upon diagnosis of a covered critical illness
Lump-sum, tax-free payout to ease financial burden during your recovery
Cover the cost of things like out-of-pocket medical expenses, or lost income from time off work
Get crucial protection with budget-friendly monthly premiums
Securing your family's future has never been simpler. Blue Cross Life offers instant critical illness coverage quotes to Canadians with just a few clicks.
Answer a few quick questions to get a free, no-obligation critical illness insurance coverage quote online.
Complete your application in less than 20 minutes. Most eligible applicants are approved right away, and about 50% of applicants do not require any medical follow-ups at the time of application.
Review and accept your terms, then make your first payment to activate your coverage—all done online.
Need more help finding the right critical illness policyfor your family or with your application? We’re here to help.
Email us at service@life.bluecross.ca, or speak with a licensed Canadian advisor at +1 (866) 316-4458 (Monday-Friday, 9 AM - 5PM EST).
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Can’t find the answers you’re looking for? We’re here to help. Speak with a licensed Canadian advisor at +1 (866) 316-4458 (Monday-Friday, 9AM-5PM EST) or email us at service@life.bluecross.ca.
Critical Illness (CI) Insurance in Canada is a type ofinsurance that provides a financial cushion if you were to become diagnosedwith a critical Illness. “Critical illness” usually refers to serious healthconditions like heart attacks, strokes, or cancer. The tax-free, lump-sumpayment can be put toward uncovered medical expenses, accessing specializedtreatment, replacing lost income, or easing other financial burdens. Criticalillness insurance allows you to focus on your recovery.
Read A Complete Guide to Critical Illness Insurance in Canada to learn more.
Yes, for many Canadians, buying critical illnessinsurance is worth it. The payout from critical illness insurance can coverloss of income, non-medical costs, and any other expenses, minimizing stressfor you and your loved ones. With Blue Cross Life, you can choose an affordablecritical illness insurance policy based on the amount of coverage and themonthly premiums that best fit your needs.
For critical illness insurance, the waiting period is how much time must pass after a diagnosis before you can submit a claim and receive a payout.
At Blue Cross Life, the required waiting period will vary depending on a given condition. Half of the covered conditions do not require a waiting period. Most cardiovascular conditions will have a waiting period of 30 days. The remaining conditions will have waiting period criteria included within their definition. We recommend you read your policy contract or a sample policy for more information.
Your payout depends on your selected coverage amount (upto $1 million at Blue Cross Life.) A greater coverage amount means highercritical care insurance costs. Factors such as your health, lifestyle, and agecan also impact your monthly rate.
You receive the full coverage amount for any of the 27 fully covered conditions, and a smaller percentage of the coverage amount if you’re diagnosed with one of the early-stage conditions. If you receive a payout for an early-stage condition, this does not impact your payout for a fully covered condition.
To find out more information on critical insurance payouts, read our article on key questions to ask when buying critical illness insurance in Canada.
If you don't experience a critical illness during the term of your critical illness insurance policy, you won't receive a payout. The policy is designed to provide financial support if you're diagnosed with a covered illness. If no claim is made during the policy term, the coverage and monthly premiums simply end.
To qualify for Blue Cross Life Critical Illness Insurance coverage, you must be a Canadian citizen or resident to apply. We also require you to sign your policy contract while physically in Canada and not overseas.
If you don't currently meet these requirements for coverage from Blue Cross Life, other insurance providers may still offer financial protection. While some insurers approve applications from non-Canadians, your coverage options may be limited.
® Registered Trade-mark of the Canadian Association of Blue Cross Plans, an association of independent Blue Cross Plans. TM Trade-mark of the Canadian Association of Blue Cross Plans, an association of independent Blue Cross Plans. Used under license by Blue Cross Life Insurance Company of Canada (Blue Cross Life®).
Term Life and Critical Illness Insurance products are underwritten by Blue Cross Life and distributed by PolicyMe Corp.
Canada’s Most Respected Award is conducted by DART I & C and powered by Maru Public Opinion. Results and award information are posted at www.canadasmostrespected.com.
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