Critical Illness Insurance
Plan Details

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Financial support when it's needed most.

In Canada, government healthcare typically covers most medical costs. But a serious illness could still end up costing you. During recovery, you’ll often see a loss or reduction of income which can make it difficult to manage your ongoing financial obligations.

Critical Illness Insurance from Pacific Blue Cross provides financial support, should a critical illness strike, so you can focus on what matters most – your health.

It can help pay:

  • Rent or mortgage
  • Child care costs
  • Property taxes/condo fees
  • Groceries
  • Loans and credit card payments
  • Home maintenance
  • Utilities
  • Replacement of spousal salary
  • Home adaptation
  • In-home support



What's the risk?


Pacific Blue Cross Critical Illness Insurance

When diagnosed with an eligible condition, you’ll receive a one-time, lump sum payment once the survival period has been met. The money can be used any way you choose – child care costs, mortgage payments, groceries, or even a family vacation. You’ll have financial support so the focus can be put on your recovery.

We’ll work with you to find the right Critical Illness Insurance solution for you and your lifestyle.

  Critical Illness Enhanced Critical Illness
Covered conditions 3 conditions 25 conditions
Coverage units $25,000 $25,000
Maximum coverage $100,000 $1,000,000
Available for ages 18-50 18-65
Termination age 75 75
Health questionnaire Simple questionnaire Full medical underwriting
Evidence of insurability No Yes
Value add services No
  • Second Medical Opinion
  • Funeral Expense
Add-on coverage No
  • Return of Premium
  • Waiver of Premium
  • Child
Supplementary benefits No Yes
Policy term options T-10, renewable to age 75
T-20, renewable to age 75
Term to age 75
T-10, renewable to age 75
T-20, renewable to age 75
Term to age 75



Value added services - included with Enhanced Critical Illness

  • Second Medical Opinion Benefit - gives you and your treating physicians access to leading specialists in North America's top-ranked teaching and research hospitals for a second opinion on your diagnosis.
  • Funeral Expense Benefit - pays for funeral costs up to a maximum of $5,000.


Add-on Rider options

Pacific Blue Cross Enhanced Critical Illness offers add-on coverage options:

  • Return of Premium upon Expiry Rider - With the Return of Premium Rider, you’ll be paid back the eligible premium paid for the policy if the policy is still active on your 75th birthday and you have not processed a claim.
  • Waiver of Premium Rider - Our Waiver of Premium Rider pays your premiums while you are disabled. Prior to your 60th birthday, if you have experienced total disability for 90 consecutive days, we will refund any premium paid during this 90-day period and waive any premium that comes due during the time of continued disability. The premium becomes payable again from the date you are no longer experiencing total disability.
  • Child Critical Illness - With Enhanced Critical Illness you can purchase additional Child Critical Illness in the amount of $25,000.
    Ask a Pacific Blue Cross Representative for details.

Why Pacific Blue Cross

 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