Critical Illness Insurance

42% of Canadians who have had a critical illness say it caused some degree of financial hardship1.

The AMA's Critical Illness Insurance plan provides a one-time benefit payment if you’re diagnosed with one of 25 covered conditions (subject to a survival period — usually 30 days).

Instead of using your savings or retirement funds, you can use the payment to help cover:

  • Expensive medicines and treatments your provincial health plan doesn’t cover
  • Health care outside of Canada
  • Daily expenses
  • Replacing a family member’s salary while they care for you
  • Personal or business loan payments
  • Child care expenses
  • Home maintenance or renovation

Why buy through AMA?

Competitive group rates
By purchasing insurance through ADIUM you get competitive rates.

AMA CI Insurance covers 25 adult illnesses

  • Aortic surgery
  • Aplastic anemia
  • Bacterial meningitis
  • Benign brain tumour
  • Blindness
  • Cancer (life-threatening)
  • Coma
  • Coronary artery bypass surgery
  • Deafness
  • Motor neuron disease
  • Multiple sclerosis
  • Occupational HIV infection
  • Paralysis
  • Dementia, including Alzheimer's Disease
  • Heart attack
  • Heart valve replacement or repair
  • Kidney failure
  • Loss of independent existence
  • Loss of limbs
  • Loss of speech
  • Major organ failure on waiting list
  • Major organ transplant
  • Parkinson's disease and specified atypical Parkinsonian disorders
  • Severe burns
  • Stroke (cerebrovascular accident)

6 child illnesses covered

  • Cerebral palsy
  • Congenital heart disease
  • Cystic fibrosis
  • Down syndrome
  • Muscular dystrophy
  • Type 1 Diabetes

How much coverage can you apply for?

You and your spouse: $50,000 to $250,000, in units of $10,000.

Extra advantages

Freedom to spend the benefit as you wish

You get the CI payment whether or not you’re able to work. That’s different from Disability Insurance, which provides income replacement only if you are totally or residually disabled.

Living benefit

As long as you qualify to get the payment, you receive it even if you make a full recovery.

Optional riders

Waiver of premium

If you’re totally disabled for at least six months in a row before age 65, you keep your CI Insurance premium-free.

Child Critical Illness

If you apply, CI coverage is also available for your child(ren). Coverage is available from a minimum of $5,000 to a maximum of $20,000, in units of $5,000. The coverage amount applies to each child, no matter how many children you have.

How much will it cost?

Get an instant instant online estimate of your rates.

Learn more about AMA's Critical Illness Insurance

Your plan booklet shows all the coverage details and exclusions.

Here are some key points to know

  • Coverage becomes effective on the date we approve your application subject to receiving your premium payment.
  • For coverage issued without proof of good health, no benefit will be paid for any critical illness that occurs within 24 months of an insured’s effective date of coverage resulting from injury, illness, or medical condition for which they had symptoms, consulted a physician or other health-care practitioner during the 24 months prior to the effective date of an insured’s coverage.

Apply today

Contact us

Talk to one of our salaried insurance advisors for help in choosing coverage based on your needs.

Call 780.482.0692 or 1.888.492.3486.

1 2016 Sun Life Canadian Health Index

The AMA advances patient-centered, quality care by advocating for and supporting physician leadership and wellness.