Would you be able to keep up with your mortgage payments? Could you afford medical expenses over and above those covered by government health care or private health insurance? Critical Illness Insurance can make an essential difference to you and your family in times of need. Should a covered condition strike, this benefit provides a payment to help meet your financial obligations and protect your hard-earned savings and dreams for the future.

A total of 36 conditions are covered. These include 25 covered conditions eligible for up to two full payments, four covered conditions eligible for partial payment, and seven covered childhood conditions.

In the event of death, Optional Life coverage helps cover the costs of final expenses, outstanding debts, planned educational expenses and lost income and gives your family added protection at a difficult and emotional time.

With Online Doctors, you’ll have almost instant access to over 600 Canadian-licensed physicians—all from the comfort of your own home. You can securely text, audio or video chat and get diagnoses for many common illnesses and medical issues, even while traveling. Your doctor will then be able to prescribe you medication, give you medical notes, and do lab and imaging requisitions—all without having to set foot in a waiting room.

It depends! During the initial enrolment period for your group, there’s a certain amount of coverage for Critical Illness and Optional Life you can purchase without completing a medical questionnaire; that amount is known as the Non-Evidence Limit.

You don’t need to answer any medical questions if you apply for this amount or less during the initial enrolment period. If you want even greater financial protection, you can apply for coverage amounts above the Non-Evidence Limit, but you’ll need to complete a medical questionnaire as part of your application.

If you apply outside of the open enrolment period, or 31 days after a life event, you’ll need to answer medical questions for any amount of coverage.

For Critical Illness, Optional Life and AD&D, you and/or your spouse may qualify to convert your terminating plans to individual plans with Medavie Blue Cross if your coverage terminates on or before your respective 65th birthdays. Please give us a call at 1-844-949-3809 for assistance with this.

Consult your policy booklet for more details on your right to convert.

For Online Doctors, you will lose your discounted rate but you will still be able to access the Maple app and manage your health record information that exists in the app. If you click on “See the Doctor”, you will be required to pay for your visit.

Optional Benefits coverage is only available for purchase to those actively at work, however you will be eligible to apply within the 31 days following your return to work.

If you purchased Optional Benefits coverage before beginning a leave of absence, your coverage will remain active and your premiums will continue during your leave unless cancelled.