Express Critical Illness insurance quote

The cost of Express Critical Illness insurance is based on your age, gender, smoking status, and the plan you choose.

For Express Critical Illness Basic and Enhanced insurance plans, the monthly cost stays fixed for one year. On your policy anniversary, the monthly cost will increase, as you’ll be older.

For the Comfort plan, we guarantee the monthly cost for the first 5 years. After that, the monthly costs increases annually on your policy anniversary. 

Coverage starts as soon as your application is approved.
Coverage ends when any of these happens:

• A claim is paid
• The policy is cancelled
• The policy anniversary after the insured person's 70th birthday
• The insured person dies
• When the premium is not paid for 30 days

You don’t name a beneficiary for Critical illness insurance policy. The payout goes to the policy holder. If you would like to designate a recipient other than yourself, you would need to complete a CI Payee Designation form. Call us at 1-800-669-7921, from Monday to Friday 8 a.m. to 8 p.m. ET, or send the completed form via mail to:

Sun Life Assurance Company of Canada
P.O. Box 2001 Stn Waterloo
Waterloo, ON  N2J 0A3.

Before you enrol, make sure you read the sample policy and understand the Definitions & Exclusions including the exclusion for pre-existing conditions. When you enroll, we'll ask you to answer the health declaration statements.

1. Call us at 1-800-669-7921. This number will also be listed at the beginning of the policy. We’ll send you the appropriate form to fill out.
2. Fill out the form and mail it to us at the address listed on the form. Include any information we ask for to assess the claim. This may include:
   • proof that you have the right to receive the benefit,
   • proof that you had a covered critical illness while your policy was in effect,
   • a written diagnosis which describes the conditions and the cause of the illness and
   • your complete medical records.

Notes on the written diagnosis:

• The written diagnosis must include appropriate information to assess the illness. A specialist licensed and practising in Canada (or another doctor acceptable to us) must prepare and sign it.
• The doctor, specialists or health care practitioners who sign the diagnosis – or provide information to us – may not be:
  •  the owner of the policy,
  • a person insured under the policy,
  •  a person entitled to make a claim under the policy or
  • a relative or business associate of these people.

Keep in mind:

• Doctors may charge a fee to fill out certain forms. You are responsible for any fees for this information.
• In some cases, we may choose health practitioners to examine you. These may be licensed physicians, physiotherapists, occupational therapists, psychiatrists, psychologists, neurologists or others. We’ll cover the cost of these examinations.

• You must send us a claim while your policy is in effect and within 1 year of the date the insured person is diagnosed or has surgery for a covered critical illness.
• Within 1 year of the date the insured person has a covered critical illness.
• If you make a claim outside of this time period, we won’t assess the claim or make any payment.
• If the claim meets all the policy conditions, we’ll pay within 60 days of receiving the proof required to assess the claim.

  Basic
  Enhanced
  Comfort (with child benefit)
  Comfort (without child benefit)

  Basic
  Enhanced
  Comfort (with child benefit)
  Comfort (without child benefit)

  Basic
  Enhanced
  Comfort (with child benefit)
  Comfort (without child benefit)