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Critical illness policies guarantee the payment of a tax-free benefit, 30 days after diagnosis of one of the following illness or medical conditions:
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- Cancer
- Stroke (Cerebral Vascular Accident, CVA)
- Myocardial Infraction (Heart Attack)
- Coronary Artery Bypass Surgery
- Kidney failure
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- Major Organ Transplant
- Multiple Sclerosis**
- Coma
- Paralysis*
- Dismemberment
- Blindness
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- Deafness
- Muteness (loss of speech)**
- Major burns
- Benign Brain Tumor
- Occupational injury – HIV**
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- Motor Neuron Disease
- Alzheimer’s Disease
- Parkinson’s disease
- Cystic fibrosis
- Heart Valve
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- Loss of Independent Existence
- Replacement
- Aortic Surgery
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* 90-day waiting period
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** 180-days waiting period
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A detailed description of each of these illnesses and conditions, along with their limitations and exclusions, can be found in the contract.
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Other additional benefits available:
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- Premium refund (including rated premiums) starting at age 65 (minimum 10 years after issue) on 10 R&C andT75
- Premium refund (including rated premiums) starting from the 10th anniversary on T100 child rider
- Waiver of premium in case of the applicant’s disability (WPDis)
- Disability rider Supplementary Income (SI)
- Accidental Fracture (AF)
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For more information on this service, please contact Mr. Mohamad Rabah at:
905.602.1800 ext. 222 or by email: morabah@madinahfinancial.com
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