Manulife CoverMe

I want to know my family and I are taken care of, should I become ill

Surviving a critical illness is challenging

Few of us want to contemplate the reality of being diagnosed with a serious illness. Even fewer of us have likely given any thought to how we'd cope emotionally or financially.

While the chances of surviving a critical illness improve daily with medical advances, you may want to consider that:

    • An estimated 177,800 new cases of cancer occurred in Canada in 2011. Approximately one in two Canadians will develop cancer; three in four will survive.1
    • Heart attacks strike 70,000 Canadians each year.2
    • Strokes hit 50,000 Canadians each year.3
    • Over 13,000 Canadians undergo surgery every year to replace aortic valves.4
    • Nine in ten Canadians (90%) have at least one risk factor for heart disease or stroke.5

If you were to fall ill, during your recovery, you may end up having to pay for healthcare services, special drugs and supplements, and homecare expenses not covered by your government health insurance plan. You might even have to travel to get the medical attention you need.

Critical illness insurance plans provide that, upon the diagnosis of a covered illness, you'll qualify to receive a one-time lump sum payment. Typically, the amount is paid directly to you, to spend however you wish. This lessens financial worries and enables you to focus on your recovery.


1 Source: Canadian Cancer Society 2011
2 Source: Heart and Stroke Foundations of Canada 2012
3 Source: Heart and Stroke Foundations of Canada 2012
4 Source: Heart and Stroke Foundation 2007
5 Source: Tracking Heart Disease and Stroke in Canada. Released June 2009.

Be aware of what the government covers,

Critical illness insurance helps to protect you against the financial consequences of being diagnosed with a critical illness.

It pays a one-time lump-sum benefit that you can spend however you wish.

Consider critical illness insurance plans that offer a Return of Premium Option.

For example, with the CoverMe Critical Illness plan and the Return of Premium Option, Manulife will reimburse all the premiums paid – up to 100% of your benefit amount. That means you could receive up to $25,000, $50,000 or $75,000 depending upon the coverage you purchase!*

*Please note that this option is only available at the time of initial application.

Consider factors like service, accessibility and reputation when purchasing critical illness insurance,

for the peace-of-mind of knowing that you will be taken care of promptly, tomorrow and in the years to come.

Who should purchase the CoverMe™ Critical Illness Insurance plan?

The CoverMe Critical Illness insurance plan was designed for healthy individuals between the ages of 18 and 65 years, who want a basic amount of affordable critical illness coverage that can be obtained quickly, easily and without completing a medical questionnaire.

What is meant by "signs and/or symptoms" of heart disease?

"Signs and/or symptoms" of heart disease may include (but are not limited to) chest pain, chest discomfort possibly radiating to arms, neck or jaw,irregular heart rate, shortness of breath, cold sweats, nausea or lightheadedness. However, these symptoms could be caused by conditions other than heart disease.

Am I eligible for CoverMe Critical Illness Insurance coverage if I have had a history of high blood pressure?

Yes. However, if you have had an abnormal ECG or been diagnosed with or experienced symptoms of coronary artery disease, heart attack, stroke, TIA or heart surgery, you are unfortunately not eligible for CoverMe Critical Illness coverage.

Am I eligible for CoverMe Critical Illness Insurance coverage if I have a history of elevated cholesterol or triglycerides?

Yes. However, if you have had an abnormal ECG or been diagnosed with or experienced symptoms of coronary artery disease, heart attack, stroke, TIA or heart surgery, you are unfortunately not eligible for CoverMe Critical Illness coverage.

What Others Have Chosen

CoverMe™ Critical Illness Insurance Plan

Critical illness insurance plans provide that, upon the diagnosis of a covered illness, you'll qualify to receive a $25,000, $50,000 or $75,000 one-time lump sum payment. The CoverMe Critical Illness plan covers five of the most common critical illnesses and conditions — Cancer, Heart Attack, Stroke, Coronary Bypass surgery and Aortic surgery. It is renewable up to age 75, regardless of any future changes in your health, and includes a Return of Premium Option. Best of all, completion of a medical questionnaire is not required — a statement of your good health is all that is needed.