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Overview
Few of us want to contemplate the reality of being told we have a serious illness. Even fewer of us have likely given any thought to how we'd cope financially, if faced with such a diagnosis. And although the odds of surviving a critical illness are better than ever thanks to medical advances, you may want to consider these statistics:*
- Heart attacks strike 70,000 Canadians each year
- Strokes hit 50,000 Canadians each year
- An estimated 2,865 Canadians are diagnosed with cancer every week
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You can't predict the future, but you can be prepared for it!
Living with a critical illness can be a huge challenge – not only physically and emotionally – but
also financially.
With the simple, accessible and affordable protection offered by Lifecheque Basic critical illness
insurance, you'll have less financial worries, so you can focus on what's really important – making
a full and speedy recovery.
*Heart and Stroke Foundation (2005), National Cancer Institute of Canada (2005), Canadian
Cancer Statistics (2005)
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Key Benefits
Lifecheque Basic offers extra help and peace-of-mind
while you're on the road to recovery.
Here are some of the key benefits the plan has to offer:
$25,000 lump sum benefit
Paid directly to you, to spend any way you please. Pay medical expenses not covered by your government health insurance plan, retrofit your home, alleviate debt, travel.
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No medical questionnaire required
If you're between the ages of 18 and 60 and a Canadian
resident, you're eligible for Lifecheque Basic - without a
medical questionnaire; all that's needed is a declaration of your good health.
Best Doctors® Solutions Services
Our recovery management service gives you the option of having your medical records evaluated by world-class specialists.
Return of Premium Option
When you purchase Lifecheque Basic's Return of Premium Option and you reach your 75th birthday without making a claim, Manulife Financial will reimburse all the premiums< you paid - up to $25,000.
Guaranteed renewable
Your coverage is guaranteed renewable up to age 75, regardless of any changes in your health.
Affordable premiums
Lifecheque Basic's monthly premiums are based on your age, gender and smoking status, so the younger you are when you apply the lower your premiums will be.
Healthy savings for non-smokers
Non-smokers enjoy up to 50% savings on their premiums, compared to smokers.
30-day Satisfaction Guarantee
If you're not completely satisfied, simply return your policy to Manulife Financial within 30 days of
receipt to have your coverage cancelled and your premiums refunded in full - no questions asked.
And, when Manulife Financial receives and approves your application form, you'll be
eligible to receive your first month of Lifecheque Basic free of charge!
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What's Covered
Lifecheque Basic critical illness insurance offers extra assistance and fewer financial worries at the time you may need it most. The plan covers five major critical
illnesses and conditions, including:
Cancer
The diagnosis of leukemia, Hodgkin's lymphoma, non-Hodgkin's lymphoma, or any tumour characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue.
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Heart Attack
Myocardial infarction. The death of a portion of heart muscle as a result of inadequate blood supply to the relevant area, the diagnosis of which must be based on new electrocardiographic changes consisting of the development of Q waves and/or ST segment elevation not previously present, and the elevation of cardiac biochemical markers to levels considered diagnostic for infarction.
Stroke
The diagnosis of any cerebrovascular event producing neurological sequelae lasting more than 30 days and caused by intracranial thrombosis or hemorrhage, or embolism from an extra-cranial source. There must also be evidence of measurable, objective neurological deficit lasting for more than 30 days.
Coronary Artery Bypass surgery
The undergoing of heart surgery performed by a physician to connect narrowing or blockage of one or more coronary arteries with bypass grafts.
Aortic surgery
The undergoing of surgery performed by a physician for disease of the thoracic or abdominal aorta requiring excision and surgical replacement of the diseased aorta with a graft.
In the unfortunate event that you are diagnosed with one of the critical illnesses or conditions mentioned above, you'll be eligible to receive a one-time, lump sump benefit of $25,000 - paid directly to you, as long as you survive for a period of at least 30 days.
Get the extra peace-of-mind you deserve with Lifecheque Basic.
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- $25,000.00 LifeCheque Basic Critical Illness Benefit for as little as $7.50/month. Female age 30 Non-Smoker.
- Additional policies are available
for Critical Illness for up to $2 MILLION DOLLARS,
as advertised on CHFI FM and on 640AM radio. Please
outline the amount of coverage needed, your date
of birth and your smoking/non-smoking status. Click
for information: coverme@mcgillfinancial.com
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Critical Illness Rates Charts
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