Underwritten by ACE INA Insurance

Critical Illness Protection is not Life insurance.

It is a new type of insurance that pays a tax-free lump sum benefit after the insured person is diagnosed with any one of the TEN named conditions and survives for a period of 30 days.

(For Cancer only, diagnosis must be made 90 days after coverage becomes effective.)

Critical Illness Benefits are an Optional component of the following Menuflex™ Programs:

Menuflex™ Basic / PLUS Benefits Program for Individuals
Menuflex™ Low Cost Benefits Program
Menuflex™ SELECT Benefits Program
Menuflex™ Disability - Income Protection Program
Menuflex™ Individual Program for Groups
Menuflex™ MDSA - Medical & Dental Spending Accounts
Menuflex™ Retiree Benefits Program
Menuflex™ Sponsored Programs

Critical Illness protects against the financial consequences of TEN critical illnesses and conditions which include most of the common life-threatening illnesses face by Canadians today, including:

• Cancer
• Kidney Failure
• Stroke
• Deafness
• Recipient Major Organ Transplant
• Heart Attack
• Multiple Sclerosis
• Paralysis
• Blindness
• Coronary By-Pass Surgery

Benefits are paid based on a specific medical diagnosis, not on an inability to work or proof of reduction in income. Coverage is renewable on an annual basis to age 65, and terminates at the Policy Anniversary immediately following the insured's 65th birthday.

Coverage may be purchased in an amount of $10,000, $25,000 or $50,000.

Coverage is subject to approval of a separate health declaration.

Pre-existing Conditions: No benefit will be payable for a Critical Illness if, during the first 24 months of coverage, the insured is diagnosed with a symptom or medical problem for which treatment was received in the 24 month period prior to the effective date of coverage.

Critical Illness protection may also be purchased for the applicant's spouse. The premium rate for spousal coverage will depend upon the spouse's age, sex and smoker status.

Critical Illness Important Facts
Canadians are concerned with the future of our health care system. Will the care be there when required? Critical Illness insurance provides inexpensive protection to meet your financial needs during a medical crisis.

• disability insurance replaces income but does not cover the added burden of medical expenses
• group health coverage has restrictive limitations and maximums
• social medical care is eroding
• personal retirement savings are not intended to cover medical expenses
• most critical illness victims make a full recovery after a lengthy, expensive treatment period

Canadian Statistics:

• 1 in 2 will contract heart disease
• 1 in 2 heart attack victims are under age 65
• 1 in 3 will develop some form of life threatening cancer
• 1 in 4 currently suffer from cardiovascular disease
• 70% of open heart surgery operations each year are coronary by-passes
• 1 in 4 will suffer kidney failure
• 1 in 20 run the risk of having a stroke before age 70
• 1 in 500 people will suffer from multiple sclerosis
• Heart attack, cancer and stroke were the 3 most common diseases of the 90's
• 1 in 4 will contract cancer or heart disease before they retire
• 2/3 of the cost of cancer treatment is not covered by provincial medical plans
• 30% of cancer victims are completely cured
• 75% of stroke victims survive the initial occurence
• 95% of heart attack victims survive the initial occurrence

Source: STATSCAN

Critical Illness Benefits are an Optional component of the following Menuflex™ Programs:

Menuflex™ Basic / PLUS Benefits Program for Individuals
Menuflex™ Low Cost Benefits Program
Menuflex™ SELECT Benefits Program
Menuflex™ Disability - Income Protection Program
Menuflex™ Individual Program for Groups
Menuflex™ MDSA - Medical & Dental Spending Accounts
Menuflex™ Retiree Benefits Program
Menuflex™ Sponsored Programs

To Apply for Critical Illness coverage, simply complete the Application Form for your chosen Menuflex™ program and select Critical Illness as one of your optional benefits. A separate Health Statement (in addition to the regular Personal Health Declaration) must also be completed.