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?
    With advances in medicine, more and more people are surviving critical illnesses; however, recovery can come at a financial cost. Critical Illness Insurance can help you pay for expenses that private and provincial health-­‐care plans may not cover, such as:
    • Experimental new medical treatments
    • Private nursing or personal support worker
    • Home modifications
    • Reduced or lost income if your spouse needs to take time off work to care for you
    Or, you may decide to use the payment to cover day-­‐to-­‐day expenses such as your mortgage, childcare costs or loan payments. The choice is yours. You can use the money for whatever you choose.
  3. How much coverage can I get?
    You can apply for coverage in units of $25,000, up to a maximum of $100,000. (ie. $25,000, $50,000, $75,000 or $100,000).
  4. Am I eligible for coverage?
    To be eligible for coverage you must be between 18 and 50 years of age.
  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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