Can you get CI if you experiencing illnesses?

Below is a partial list of conditions that will result in being automatically declined for critical illness coverage. Please do not submit an application for CI insurance if you have ever been diagnosed with any of the following conditions. Please note that there may be other conditions that could also result in your application being declined.

Note: If you are currently under a medical investigation, please wait until it has been completed before submitting an application.

Also, if any member of your immediate family (i.e. siblings and parents) has had one of these conditions, the policy may be rated, or in some cases, declined.

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Adult

AIDS, AIDS-related disease or positive HIV

Treatment for alcohol or drug abuse in the last three years

Alzheimer’s disease

Aplastic anemia

Amyotrophic Lateral Sclerosis (ALS or Lou Gehrig’s disease)

Benign brain tumour

Cancer (some exceptions for skin cancer other than melanoma or certain early-stage cancers may apply)

Cystic fibrosis

Diabetes treated with insulin

Heart disease such as heart attack, angina, coronary bypass surgery, angioplasty or have replacement surgery

Huntington ’s chorea

Kidney failure

Motor neuron disease

Multiple sclerosis

Organ transplant

Parkinson’s disease

Permanent paralysis

Stroke or transient ischemic attack

Systemic lupus erythematosus

Juvenile

AIDS, AIDS-related disease or positive HIV

Aplastic anemia

Autism

Benign brain tumour

Cancer

Cerebral palsy

Cystic fibrosis

Congenital heart disease

Diabetes

Down’s syndrome

Kidney failure

Motor neuron disease

Multiple sclerosis

Muscular dystrophy

Organ transplant

Permanent paralysis

Stroke

Familial polyposis of the colon

Huntington’s chorea

Polycystic kidney disease

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