Critical Illness Insurance

Financial support should a serious illness hit, so you can focus on making a healthy recovery.

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Why British Columbians choose our Critical Illness Insurance

BC's #1 Health Benefits Provider

1.4 million British Columbians have health and dental coverage through Pacific Blue Cross

Coverage up to $1,000,000

Get coverage that fits you and your family’s needs in units of $25,000 up to $1,000,000

Members save 10%

Pacific Blue Cross Members always save an extra 10% on supplementary coverage like Critical Illness Insurance

Supporting cancer patients

The Pacific Blue Cross Wig Bank gives people with cancer access to wigs so they can gain back their confidence during cancer treatment.

Value Adds

Included free with the Enhanced Critical Illness plan are two value-added services – Second Medical Opinion and Funeral Expense benefits

Satisfaction guaranteed

Take ten days, if you don’t get peace of mind from your Critical Illness Plan, just cancel it

Our Critical Illness Insurance Plans

Critical Illness

Up to $100,000 in coverage for three major illnesses.

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Enhanced Critical Illness

Up to $1,000,000 in coverage for 27 major illnesses.

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Not sure how much coverage you need?

Healthy Recovery

Use our Recovery Expense Calculator to help you decide

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A few frequently asked questions about Critical Illness

  1. What is Critical Illness insurance?
    Critical Illness Insurance provides a lump-­‐sum benefit that helps alleviate some of the financial stress that may result from being diagnosed with a critical illness. With Critical Illness Insurance, if you are diagnosed with one of the 3 covered conditions and survive the 30-­‐day Survival Period, you are eligible to make a claim. With extra financial protection during your recovery, you’re able to spend less time worrying about your finances and more time concentrating on getting well.
  2. Why do I need Critical Illness insurance?
    Have you ever thought how a serious health condition could impact you and your family? Dealing with a serious illness requires significant time off work, which most British Columbians can’t afford. Critical Illness Insurance from Pacific Blue Cross is a one-time, tax free payout so you can concentrate on making a full recovery, rather than how much money is in your bank account. It can help pay for:
    • Mortgage or rent
    • Child care
    • Home modifications
    • Monthly bills
    • Offset your spouse’s income while they stay home to help you recover
    The choice is yours. You can use the money for whatever you choose.
  3. How much coverage can I get? Am I eligible for coverage?
    You can apply for coverage in units of $25,000, up to a maximum of $1,000,000. To be eligible for coverage you must be between 18 and 65 years of age.
  4. What happens when I apply for coverage?
    Once you’ve submitted an application for coverage, you’ll have a bit of waiting time as your application is reviewed (a process called underwriting). Read our What Happens Next? guide to learn more about this process.
  5. How do I make a claim?

    Contact Pacific Blue Cross for more information or to speak with one of our Service Representatives:

    Telephone: 604 419 2000

    Toll-free Outside the Greater Vancouver Area:
    1 877 PAC-BLUE (1 877 722-2583)

    Mailing Address:
    Pacific Blue Cross
    PO Box 7000
    Vancouver, BC V6B 4E1

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