FAQ - Critical illness insurance – Basic coverage

Critical illness insurance covers:

• A first diagnosis of life-threatening cancer made by a specialist
• Heart diseases, like a heart attack or stroke
• The following infectious diseases: bacterial meningitis, Lyme disease, flesh-eating disease, E. coli infection and West Nile virus

GetWell Insurance comes with certain exclusions and limitations. For more information, read the General Conditions (PDF, 413 MB) Opens in a new window..

You can buy it over the phone. Call 1-844-768-8436 This link will launch your default phone software., Monday to Thursday between 1:00 p.m. and 9:00 p.m. ET or Friday between 12:30 p.m. and 7 p.m. ET. No medical exam is required.

The initial premium is very affordable! Pay only 1/2 the premium for an entire year! All the more reason to insure your whole family.

It's based on your age, sex and smoker/non-smoker status. The premium is then reviewed at each contract anniversary.

Most group insurance plans only cover a portion of your income. With GetWell Insurance, you'll receive a lump-sum benefit of $25,000 or $12,500 to help you offset your lost earnings and deal with the financial consequences of a covered critical illness.

A smoker is defined as anyone who has used tobacco in any form (cigarette, cigar, cigarillo, pipe, marijuana, patch, nicotine gum, or any medication to help stop smoking) during the last 12 months.

Basic critical illness insurance takes effect on the date the contract holder applies for the insurance, for each insured who meets the eligibility criteria.

The premium is payable every month.

If you're age 54 or under, you'll receive $25,000. If you're between the ages of 55 and 74, you'll receive $12,500. You will get 50% of the insurance amount set out in your policy for the infectious Disease Coverage.

Yes. GetWell Insurance isn't life insurance, so the benefit is paid when a critical illness is diagnosed for the first time. You'll receive the benefit while you're still alive, provided the insurer is notified when you receive your diagnosis.

If you die before age 75, the insurer will refund all premiums paid since the coverage took effect.

Call 1-844-768-8436 This link will launch your default phone software. during regular business hours. We'll send you the information and documents you need to submit a claim.

Claims can be submitted by the policyholder, or by the designated beneficiary if the policyholder has died. If there is no surviving beneficiary, the legal heirs of the policyholder can submit a claim.

Claims must be submitted within 60 days of a diagnosis.

If you're a Canadian resident aged 64 or under and you meet the insurability conditions specified in the Insurability and Premium Rate Selection Questionnaire, you're eligible.