Critical Illness Insurance

If faced with the challenge of a critical illness would you have all the financial resources you need?

RNAO is pleased to offer a Critical Illness insurance plan through SSQ for eligible members and their loved ones. Please see the details of the plan's features below.

Plan Overview
For all eligible members and their spouses under the age of 70.

Definition: Payment of a lump-sum benefit when the insured person is diagnosed with a covered critical illness and survives 30 days following the diagnosis.

Coverage: Available for members and their spouse up to a combined total of $250,000. The member must elect coverage equal to or greater than the spouse.

Covered critical illness

  • Alzheimer’s disease
  • Aortic surgery
  • Aplastic anemia
  • Bacterial meningitis
  • Benign brain tumour
  • Blindness
  • Cancer (life-threatening)
  • Coma
  • Coronary artery bypass surgery
  • Deafness
  • Dilated cardiomyopathy
  • Fulminant viral hepatitis
  • Heart attack
  • Heart valve replacement
  • Kidney failure
  • Loss of independent existence
  • Loss of limbs
  • Loss of speech
  • Major organ failure on waiting list
  • Major organ transplant
  • Motor neuron disease
  • Multiple sclerosis
  • Muscular dystrophy
  • Occupational HIV infection
  • Paralysis
  • Parkinson’s disease
  • Primary pulmonary hypertension
  • Severe burns
  • Stroke (cerebrovascular accident)

In addition to the covered illnesses – there are some bonus benefits:

Complimentary benefit in case of certain illness
Payment of 10% of the benefit amount without any reduction of future benefits, when diagnosed with one of the following illnesses (subject to a maximum of $10,000):

  • Coronary angioplasty
  • Ductal carcinoma in situ of the breast
  • Stage A (T1a or T1b) prostate cancer
  • Stage 1A malignant melanoma*

Cancer recurrence benefit
Payment of the full benefit amount upon subsequent diagnosis of Cancer (life-threatening) when:

  • Over 60 months have passed since the previous cancer diagnosis; and
  • No treatment relating directly or indirectly to cancer has been received within that 60-month period (treatment does not include preventative medications and follow up visits to the doctor).

Multiple event coverage
When the insured person is diagnosed with one of the covered Critical Illnesses for which a benefit has been paid, AND is diagnosed with a different covered Critical Illness at least 90 days after the payment, the insured person will then be paid another equivalent benefit, subject to the limitations described in the “Re-Entry Exclusions” section of the member booklet.

Second medical opinion program (AXA Assistance)
AXA Assistance’s Second Medical Opinion program is available to any insured person who is diagnosed with a covered critical illness.
This program allows the insured person to obtain a second medical opinion from a highly qualified practitioner.
It provides a thorough medical review that rigorously analyzes the insured person’s file to confirm the initial diagnosis and make recommendations on appropriate treatment.

The following are some important facts you need to know:

Preexisting condition exclusion
The preexisting condition exclusion of 24/24 means that in the first 24 months of coverage, a claim cannot be made for a condition treated in the 24 months preceding the effective date of coverage.

Important facts on cancer benefits
No payment will be made if, within the 90 days following the effective date of the insured person’s insurance, there has been diagnosis of cancer OR any sign, symptom or investigation that lead to a diagnosis of cancer, regardless of when the diagnosis is made.
In the case of a cancer that manifests itself before the insured person’s insurance effective date and recurs or metastasizes after the effective date, no payment will be made unless all the requirements in the “Cancer Recurrence Benefit” section have been met.

The coverage terminates on the earliest of the following events:

  • The member’s or spouse’s 70th birthday; or
  • The date member ceases to be an association member

General exclusions
No benefit will be paid if the illness results directly or indirectly from one of the following situations:

  • The insured person does not satisfy the 30-day survival period limitation;
  • Intentionally self-inflicted injury or sickness, whether the insured person is sane or insane;
  • Use of illicit drugs other than as prescribed and administered in accordance with instructions of a licensed medical practitioner.

Policy issued by SSQ Insurance Company Inc.

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