Voluntary Critical Illness Insurance Plan

Product Features

Critical Illness Insurance pays a tax-free, lump sum benefit directly to the insured person when diagnosed with a covered condition. The insured has full control over how to spend their Critical Illness benefit.

Examples include:

Home adaptation
Private nursing
Convalescence
Child care
Lifestyle change Click here to learn more
Debt repayment
Investment for future income

This Critical Illness Insurance Plan covers the following 25 critical illnesses and medical conditions:

ALS (Lou Gehrig’s Disease)	Alzheimer’s Disease	Aortic Surgery
Aplastic Anemia	Bacterial Meningitis	Benign Brain Tumour
Blindness	Cancer (Life-Threatening)	Coma
Coronary Artery Bypass Surgery	Deafness	Heart Attack
Heart Valve Replacement	Kidney Failure	Loss of Independent Existence
Loss of Limbs	Loss of Speech	Major Organ Failure on Waiting List
Major Organ Transplant	Motor Neuron Disease	Multiple Sclerosis
Occupational HIV Infection	Paralysis	Parkinson’s Disease
Severe Burns	Stroke

The AMSC Critical Illness Insurance Plan also provides an additional AdvanceCare Benefit for several non-life threatening conditions. This benefit pays 10% of the benefit amount for coronary angioplasty and several early stage cancers without affecting payment of the Covered Condition Benefit.\

What are the coverage options?

As an employee of an AMSC member municipality, you have the following coverage options:

New eligible employees of AMSC member municipalities and their spouse qualify for $10,000 of voluntary Critical Illness Insurance with no medical evidence if they apply within 90 days after satisfying their benefit waiting period.
You and your spouse can each apply for up to $300,000 of Voluntary Critical Illness Insurance at any time. Regular application procedures apply.

Eligibility

Employees and their Spouses who are under age 70 and reside in Canada are eligible to apply for coverage. Employee means an employee of an AMSC member municipality.

Spouse means the legal or common-law spouse of an eligible Employee. Legal spouse means a person who is legally married and cohabiting with the Employee and with whom there is no formal or informal agreement of separation. Common-law spouse means a person who has been cohabiting in a marriage-like relationship with the Employee for at least 12 consecutive months.

Where an applicant may be insured as either an Employee or a Spouse, they will be considered to be eligible as an Employee only.

To Apply

To apply for coverage please contact Paul Mizzi, Director of Benefits at pmizzi@auma.ca or (780)433-4431.

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