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Critical Care

Do you realize that prior to age 75, your risk of contracting a life-altering illness exceeds your risk of dying? Even so, contracting a life-altering illness is not something any of us like to think about. However, the reality is that it can happen to any one of us, and if it does, thanks to improvements in healthy living and medical science there is a good chance you will recover and get on with your life.

According to the Canadian Cancer Society, approximately 39 per cent of Canadian women and 44 per cent of Canadian men will develop cancer during their lifetimes, and an estimated 60 per cent of Canadians diagnosed with common cancer will survive at least five years. In addition, according to Health Canada and The Canadian Institute for Health Information, one in four Canadians will develop heart disease in their lifetime and approximately 89 per cent of hospitalized heart attack patients survive.
But your road to recovery costs money. Treating and coping with illness can mean significant and often unexpected costs.

CUMIS Critical Care Insurance is designed to provide you with financial peace of mind so that you can deal with the unexpected costs of a critical illness, and get started on rebuilding your lifestyle as soon as possible. It provides a lump-sum cash benefit while you are living, if you happen to be diagnosed with one of the Covered Conditions or Early Intervention Conditions defined in your contract.
CUMIS offers two Critical Care plans to suit your needs, term 10 renewable to age 75 and level term to age 75.

Facing the Financial Challenges of a Critical Illness

Is your family financially equipped for the potential cost of recovering from a critical illness? Consider the potential challenge of maintaining a lifestyle that you may no longer be able to afford:
  • Reduction or permanent loss of your income
  • Lost income of family members caring for you
  • Private nursing and medical equipment
  • Insurance co-payments and deductibles
  • Convalescence or physiotherapy
  • Refitting your home and your car
  • Relocating to a more suitable locale or climate
  • Retraining for a change of profession
  • Mortgage payments or a car loan
  • Childcare
  • Children's education
  • Retirement

Critical Illness Insurance may help by providing you with the financial support to:

  • Travel to get treatments that aren't available locally
  • Get treatments that aren't funded by your provincial health plan
  • Purchase alternative medicines and therapies
CUMIS Critical Care Insurance pays you a lump-sum tax-free benefit if you are diagnosed with one of 20 covered illnesses. This payment of $25,000 to $300,000 allows you to focus on what's important – your recovery and rebuilding your lifestyle. It gives you the freedom to seek the best medical care, pay outstanding debts, replace lost income or pay for caregivers or childcare – whatever you need.

Covered Conditions:

Heart attack
Alzheimer's disease
Heart valve replacement
Parkinson's disease
Loss of limbs
Major organ transplant
Multiple sclerosis
Severe burns
Benign brain tumour
Renal failure
Occupational HIV infection
Aortic surgery
Loss of speech
Motor neuron disease

Medical Consultation Benefit

CUMIS will reimburse you an additional lump sum benefit of up to $1,000 toward medical consulting services at a provider of your choice, within one year of receiving your CUMIS Critical Care Insurance benefit payment.

Early Intervention Assistance (EIA) Benefit

CUMIS Critical Care Insurance offers an Early Intervention Assistance benefit, payable on the following insured conditions:
  • Coronary artery bypass surgery
  • Early Prostate Cancer
  • Ductal Breast Cancer
  • Shallow Malignant Melanoma
Please contact us for specific details on this benefit.

You may customize your CUMIS Critical Care plan by adding the following Optional Riders:

  • Critical Care Child Rider
  • Increasing Benefit Rider
  • Disability Waiver of Premium Benefit
  • Return of Premium at Expiry

To obtain a quotation on a CUMIS product, please contact:


CUMIS TeleLife at 1-800-263-9120 or email us at

Monday to Friday, 8 a.m. to 8 p.m. (Eastern Time).