Living with a serious illness can mean major changes to lifestyle and serious financial challenges.

Critical Illness Insurance is a lump-sum benefit, designed to provide the financial resources that will allow employees to adjust to changes in their way of life as a result of having suffered a critical illness or injury. It strives to bridge the gap between life insurance and disability insurance.

This insurance plan, underwritten by Industrial Alliance Pacific Life, gives employees the benefit of time and money to receive treatment and recover comfortably, without financial worries or lifestyle compromises.  

This Group Critical Illness plan is available to member organizations of the BCHS Group Benefits Program with 10 or more employees. Premium is employer paid.

Plan Highlights: 

  • 25 covered conditions, including Cancer, Heart Attack, Stroke and Loss of Independent Living
  • Multiple Event coverage - unlimited claims for unrelated illnesses.
  • Spouse and dependent child coverage options available.
  • AdvanceCare Benefit - 10% benefit payment for early stage cancers and coronary angioplasty.
  • Optional Waiver of Premium.
  • No termination age (provided employee remains actively at work).

Plan Features:

  • It is a living benefit
  • Unlike life insurance, the benefit is payable to the employee, not their dependents
  • Benefit payment is not contingent on ability or inability to work during recovery
  • Full recovery will not affect payment
  • Benefit is paid independent of other medical insurance plans
  • Payment may be used in any way the employee wishes and without any restrictions
  • Employees receive a lump-sum benefit 30 days (some exceptions apply) after diagnosis of a covered condition

Employee Benefits:

  • 100% Employer paid premium
  • Guaranteed acceptance of eligible employees under age 65
  • No medical questions or testing required (some limitations apply)
  • Benefit is tax-free

 Disclaimer:

The Group Critical Illness Insurance Plan information on this web site is designed to outline the benefits for which you are eligible and does not create or confer any contractual or other rights. All rights with respect to benefits of an employee will be governed solely by the Master Group Policy issued by Industrial-Alliance Pacific Life Insurance Company to BC Health Services Ltd.

This Group Critical Illness plan is available to member organizations of the BCHS Group Benefits Program with 10 or more employees. Premium is employer paid.

Also available is an individual plan with coverage applied for and premium paid by individuals without employer involvement.

For further information or to receive a no-obligation quotation, please contact Cathy Witney, Director, Benefits & Insurance Programs by email, or call 604.488.0600 ext 5328 or toll-free 866.335.1182.