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Blue Cross

CRITICAL ILLNESS ASSISTANCE
With this benefit, you may, if you wish, obtain assistance services to receive medical care outside your province of residence in the event of diagnosis of a critical illness.
In addition, the CRITICAL ILLNESS benefit protects you against the financial impacts of a critical illness that prevents you from performing your daily activities.

ELIGIBILITY AND AMOUNTS OF INSURANCE OFFERED
(in $5 000 increments)
16 to 59 years of age              $5 000 to $15 000

Assistance for medical care outside your province of residence in the event of critical illness
Should you wish to receive medical care outside your province of residence following diagnosis of a critical illness, we offer the following assistance services:

  • Examination of your medical record, evaluation and recommendation of establishments (hospitals, clinics, etc.) or resource people (doctors, surgeons, etc.) recognized for their expertise in providing the required care
  • Coordination of transfer of pertinent medical records
  • Organization of transportation, lodging and post-hospitalization care, if needed
  • Access to competitive prices for services required

Reimbursement of expenses in the event of critical illness
If you are diagnosed with one of the critical illnesses covered by your Blue Vision contract or under a critical illness contract issued by another insurer for which the amount insured is at least $25 000, Blue Cross will reimburse the following expenses:

Adaptation
Necessary costs for services of an occupational therapist and for adaptations to your car and principal residence, to a lifetime maximum benefit of $5 000 per person insured, if you suffer a permanent motor impairment as a result of a critical illness.

Travel expenses
Travel expenses incurred for you to receive care or medical follow-up, to a lifetime maximum of $2 500.

Costs for household help and/or childcare
On recommendation of the attending physician, costs of household help and/or childcare provided by a person not residing with you to a daily maximum of $25 and a lifetime maximum of $1 000.

Critical Illnesses
The amount insured under this benefit may be paid only once.

Definitions of the critical illnesses covered by this benefit:

Cerebrovascular accident (Stroke)
Diagnosis (by a neurologist or internist licensed and practising in a Canadian province) of a cerebrovascular incident causing infarction of brain tissue, due to hemorrhage, thrombosis or embolism with measurable and objective signs of neurological deficit persisting for at least 28 days following the occurrence of the stroke.

The following are excluded:

  • Any incident whose symptoms last less than 24 hours
  • Transient ischemic attacks (TIA)

Cancer
Diagnosis (by a physician licensed and practising in a Canadian province) of a malignancy characterized by uncontrolled growth and spread of malignant cells and the invasion of tissue, including lymphoma, Hodgkin’s disease and all chronic or acute leukemias.

The following are excluded:

  • Cancer in situ
  • Any skin cancer other than invasive malignant melanoma more than 0.7 mm into the dermis
  • Stage T1a or T1b prostate cancer

No benefit is payable if in the 90 days following the effective date of this benefit cancer is diagnosed, or symptoms appear and give rise to examinations which lead to a diagnosis of cancer of any sort.

Heart attack
Diagnosis (by a cardiologist or internist licensed and practising in a Canadian province) of the death of a portion of heart muscle resulting from inadequate blood supply to that portion. The diagnosis must be based on both of the following:

  • New electrocardiographic changes, which support the diagnosis of a heart attack
  • Elevation of cardiac enzymes or troponins

The following are excluded:

  • Electrocardiographic changes resulting from a past heart attack

Terminal renal insufficiency (Kidney failure)
Irreversible end-stage renal failure requiring regular, long-term extracorporeal dialysis or renal transplantation, or both in succession. The necessity of continuous dialysis treatment must be certified by a qualified nephrologists.

Coronary artery bypass
The undergoing of surgery recommended by a consulting cardiologist licensed to practice in Canada to correct narrowing or blockage of one or more coronary arteries with bypass grafts. Non-surgical techniques such as balloon angioplasty, laser relief of an obstruction or any other procedure that does not involve a bypass are specifically excluded.

Critical illness covered by another insurer
In addition, if you suffer one of the conditions or illnesses covered by a critical illness contract issued by another insurer for which the amount insured is at least $25 000, you will be paid $1 000, provided payment is made by the other insurer, for any illness not covered under your Blue Vision contract.

Premium refund upon death
In the event of your death, Blue Cross will reimburse your beneficiary for all premiums paid for this coverage less the amount of any payments.

Pre-existing conditions
No benefits will be paid during the first 12 months following the coming into effect of this benefit if the critical illness results from a disease for which you consulted a health professional in the three months preceding the coming into effect of this benefit.

If during the 60 days preceding the coming into effect of this benefit you applied for a critical illness contract with another insurer covering the five diseases listed under CRITICAL ILLNESSES, provided the amount of insurance was at least $25 000 and your application was accepted, Blue Cross will not apply the pre-existing conditions provision mentioned above.

Limitation
No benefit is payable in the event of death in the 30 days following diagnosis of a critical illness.

End of coverage
This coverage ends on the contract anniversary coinciding with or following your 70th birthday, or on the date a benefit is paid for one of the give critical illnesses covered under the Blue Vision contact.

PREMIUM REFUND AT TERMINATION DATE
This benefit provides for refund of 75% of premiums paid for this benefit and for the CRITICAL ILLNESS ASSISTANCE benefit.

In all cases, any claims paid under the CRITICAL ILLNESS ASSISTANCE benefit are subtracted from the amount of the refund.

Under no circumstances may the total reimbursement exceed the amount insured under the CRITICAL ILLNESS ASSISTANCE benefit.

ELIGIBILITY
16 TO 59 years of age

If you select the PREMIUM REFUND AT TERMINATION DATE benefit, you must also select the level-premium CRITICAL ILLNESS ASSISTANCE benefit.

Your premium is based on your age at issue and the amount of insurance you have selected for the CRITICAL ILLNESS ASSISTANCE benefit.

End of coverage
Coverage ends on the contract anniversary coinciding with or following your 70th birthday or on the date a benefit is paid for one of the give critical illnesses covered under the CRITICAL ILLNESS ASSISTANCE benefit.

 

Furthermore, this plan provides you with our Assistance Program at no extra charge. A unique program of services and privileges for your well-being.

  • Consulting services
  • Support services
  • Information and prevention
  • Member discounts

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Your partner in health

 

 

We encourage you to contact us for more information, to assist you in obtaining a formal quotation, or to purchase Blue Cross Critical Illness Assistance. To proceed at this time please click the link below.

I need advice or wish to complete an application Contact a Licensed Advisor.

 


To review other guaranteed issued Blue Cross Products and Services Click Here.

® The Blue Cross and Blue Choice names are registered trademarks of the Canadian Association of Blue Cross Plans, an association of independent Blue Cross plans, and are licensed to the Canassurance Hospital Service Association, carrying on business as Ontario Blue Cross.
The Ontario Blue Cross symbol and name are trademarks of the Canadian Association of Blue Cross Plans, an association of independent Blue Cross plans, and are licensed to the Canassurance Hospital Service Association, carrying on Business as Ontario Blue Cross


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