Critical Illness Insurance

Critical Illness coverage offers a lump sum benefit of up to $250,000, paid directly to you, to spend as you wish, following 30 days' survival after the first diagnosis (or any longer period as specified in the policy) of one of the covered illnesses.

1. Life-Threatening Cancer¹
   A tumour characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue as confirmed by histological examination of tissue samples. 

   The following cancers are excluded from coverage:

   • Carcinoma in situ;
   • Stage 1A malignant melanoma (melanoma less than or equal to 1.0 mm in thickness, not ulcerated and without level IV or V invasion)
   • Any non-melanoma skin cancer that has not become metastatic (spread to distant organs);
   • Stage A (T1a and T1b) prostate cancer;
   • any tumour in the presence of any human immunodeficiency virus (HIV).
2. Heart Attack

   The death of a portion of the heart muscle due to atherosclerotic heart disease. The diagnosis must be based on all of the following criteria occurring at the same time:

   • New episode of typical chest pain or equivalent symptoms; and
   • Resulting from the blockage of one or more coronary arteries; and
   • New electrocardiographic changes indicative of myocardial infarction; and
   • Biochemical evidence of myocardial necrosis including elevated cardiac enzymes and/or troponin; and
   • Excluding minor heart attacks that do not meet all of these criteria.
3. Stroke
   A cerebrovascular incident causing infarction of your brain tissue, due to intracranial hemorrhage, thrombosis or embolism, producing a new measurable permanent clinical neurological deficit persisting for at least 30 days following the occurrence of the stroke
   Transient Ischemic Attacks (TIA) and neurological deficits caused by external trauma are specifically excluded.
4. Coronary artery bypass surgery
   You have undergone heart surgery to correct narrowing or blockage of one or more coronary arteries with bypass grafts.  This excludes non-surgical techniques such as balloon angioplasty or laser relief of an obstruction.
5. Major Organ Transplant
   The receiving of a transplant of a human heart, liver, lung or human bone marrow, due to irreversible failure of such organ.
6. Kidney Failure
   End-stage renal disease, due to whatever cause or causes, resulting in regular peritoneal dialysis, hemodialysis or receiving a transplanted human kidney.

Some conditions apply if a critical illness occurs or is diagnosed outside of Canada. This insurance does not cover any loss, or expenses caused or contributed to by:

• Intentionally self-inflicted injury 
• Attempt at suicide, while sane or insane; 
• Committing or attempting to commit a criminal offence; 
• Operating a motorized vehicle, vessel, aircraft or railway equipment, whether or not in motion while the concentration of alcohol in 100 ml. of bodily fluid exceeds 80 mg.;
• The use of any drug, poisonous substance, intoxicant, or narcotic, unless prescribed by a licensed Physician and taken in accordance with directions given by the Physician;
• The use of alcohol; 
• War and any hazard arising from war or hostile action of the armed forces of any county, whether such war is declared or undeclared. 

No Critical Illness benefit will be payable if you do not survive for a period of 30 days following the first diagnosis of a covered condition, or any longer period as specified in the policy. Additional requirements will apply if the illness occurs or is diagnosed outside Canada. 

Coverage for members and spouses under this plan will end on the earliest of the following dates: 

• When the Master Policy is terminated; 
• When you make a written request to terminate this coverage; 
• When the coverage lapses due to non-payment of premiums; 
• When you reached age 70 on policy anniversary; 
• On the date of your death; 
• The date when a Critical Illness benefit is paid to you

You are eligible to apply if you are a Canadian resident between the ages of 18 and 65 and:

• You are a pharmacist or pharmacist technician who is a member of the OPA, or their spouse; or
• You are a full-time employee of a pharmacist who is a member of the OPA; or
• You are a full-time pharmacy student who is a member of the OPA.

Rates are subject to change. These rates are guaranteed for 5 years. After 5 years, your rate will increase to reflect the rate of your age at that time The new rate will be guaranteed for another 5 years.
¹ Non-smokers are those who have not used tobacco or tobacco cessation products in the last 12 months and who meet Manulife’s health standards.
² Age means attained age. Any applicant must be a resident of Canada and between the ages of 18 and 65, inclusive, to apply.
³ Premiums for renewals only. Coverage ends at age 70.

^* Rates are subject to change. These rates are guaranteed for 5 years. After 5 years, your rate will increase to reflect the rate of your age at that time The new rate will be guaranteed for another 5 years.
¹ Age means attained age. Any applicant must be a resident of Canada and between the ages of 18 and 65, inclusive, to apply.
² Premiums for renewals only. Coverage ends at age 70.