Manulife Critical Illness Insurance

Recovering from a critical illness can be difficult physically and financially. With continue improvements in medical science, there is a good chance you can recover physically and Lifecheque® Basic critical illness insurance can help you recover financially.

Lifecheque® Basic critical illness insurance gives you a taxfree, lump-sum cash payment if you’re diagnosed with one of the five most common major illnesses: cancer, stroke, heart attack, coronary bypass surgery and aortic surgery

We don’t need to know about your previous medical examination results, height, weight and family medical history when you apply! All you have to do is sign a declaration of good health.

Anyone aged 18-65 who’s looking for financial protection against the possibility of illness. The lump-sum benefit is tax-free and can be used for many purposes, such as:

Approval is based on a simple signed Health Declaration – no medical questionnaire or family history required
Return of Premium option
Premiums are level, single-scale renewable and are guaranteed not to change for the first five years
Premiums are payable until the policy anniversary date following the insured’s 75th birthday, at which time the policy will terminate

Issue Age	18-55	56-60	61-65
Coverage amounts	$25,000	$25,000	$25,000
	$50,000	$50,000
	$75,000

Cancer
Cancer occurs when our cells don’t behave the way they should. There are over 200 types of cancer and the most common forms are: lung, breast, colorectal, prostate, skin and stomach. Recovery rate from cancer has drastically increased but so has the cost to treat it. It is estimated that the average cost of cancer treatment per month is $6,1951 with some drugs costing as much as $8,000 a month.

Stroke
A stroke happens when blood stops flowing to any part of your brain, damaging brain cells. Stroke can cause cognitive impairment and dementia at any age. Common issues that occur after a stroke include: weakness, paralysis, problems with balance or coordination3. For some patients, recovery could take up to 1-2 years

Heart Attack
A heart attack happens when a part of the heart muscle doesn’t get enough blood. It often occurs as a result of ischemic heart disease, also called coronary heart disease or coronary artery disease. Recovering from a heart attack can be a long, painful process. A study found that 24% of patients had left their jobs within a year of going back to work

Coronary Bypass Surgery
Coronary bypass surgery is a surgical procedure to restore normal blood flow to an obstructed coronary artery. Stress, alcohol, tabaco use, not getting enough exercise, and eating a diet high in saturated fats, trans fat, cholesterol and salt, all can increase your risk of coronary artery disease.

Aortic Surgery
The aorta is the largest blood vessel in the body and although it is a durable and tough, sometimes its walls can weaken and bulge in to develop an aortic aneurysm. Some aortic aneurysms burst, while some force blood to flow away from your organs and tissues causing health problems such as heart attacks, kidney damage, and stroke. Aortic aneurysm is more common in men over the age of 60.