If serious illness interrupts your life, don't let worries about money get in your way of getting better.

What is Critical Illness Insurance?

Critical illness insurance pays a lump-sum benefit directly to you upon diagnosis of a covered condition. The benefit payment is tax-free, and you can spend it any way you wish.

You are covered for 25 life-changing illnesses:

  • Aortic Surgery
  • Aplastic Anemia
  • Bacterial Meningitis
  • Benign Brain Tumour
  • Blindness
  • Cancer (Life-Threatening)
  • Coma
  • Coronary Artery Bypass Surgery
  • Deafness
  • Dementia, including Alzheimer's Disease
  • Heart Attack
  • Heart Valve Replacement or Repair
  • Kidney Failure
  • Loss of Independent Existence
  • Loss of Limbs
  • Loss of Speech
  • Major Organ Failure on Waiting List
  • Major Organ Transplant
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Occupational HIV Infection
  • Paralysis
  • Parkinson’s Disease and Specified Atypical Parkinsonian Disorders
  • Severe Burns
  • Stroke

You can also apply for coverage for your children. They will be protected for the same 25 illnesses as adults plus 6 child-specific conditions:

  • Cerebral Palsy
  • Congenital Heart Disease
  • Cystic Fibrosis
  • Down’s Syndrome
  • Muscular Dystrophy
  • Type 1 Diabetes

Your group plan also offers these additional benefits:

  • How you use your money is up to you
    Your benefit amount is tax-free, and can be used in any way you wish. Common uses include paying off debts, home adaptation, child care, investment, vacation, supplementing your pension, or lifestyle changes.
  • Multiple Event Coverage
    The Multiple Event Coverage benefit allows insured employees and spouses who are unfortunate enough to suffer from a separate and unrelated covered condition to claim multiple times. For complete details and illness categories, please visit solutionsinsurance.com/mec
  • Claims at TuGo
    Should you choose to use private medical facilities, Claims at TuGo may help make your money go considerably further than if you personally arrange medical treatment. You can find more information at tugo.com/en/claims/tms. Note that utilization fees may apply.
  • Coverage is not dependent on ability to work, or recovery
    Your critical illness insurance benefit is NOT dependent on whether or not you are able to work while you are ill, and whether or not a full recovery is made.
  • AdvanceCare
    The AdvanceCare Benefit will pay 10% of the total benefit amount for coronary angioplasty and several early stage cancers. Not available for dependent child coverage.

Both you and your spouse can apply for up to $300,000 of Critical Illness Insurance under the ATA Group Insurance Plan:

Who can apply?

Active, Associate, Life or Honourary Members and Employees of the Alberta Teachers’ Association and Employees of the ATRF, and their spouses are eligible to apply.  Applicants must be under age 70 and residing in Canada.

Dependent children are also eligible to apply provided they are under age 21 (up to 24 if they are enrolled full-time at a post secondary school) and the member also applies for coverage.


When does coverage take effect?

Insurance will take effect on the date your completed application is approved by Industrial Alliance Insurance and Financial Services Inc. and your first month's premium has been paid.


Covered Condition Benefit

The Covered Condition Benefit is a tax-free, lump-sum benefit which will be paid if you are diagnosed with one of the 25 covered critical illnesses. This benefit will be paid to you if you survive for 30* days after first being diagnosed with one of the covered illnesses.

*90 days for Paralysis, Loss of Independent Existence or Bacterial Meningitis. 180 days for Multiple Sclerosis or Loss of Speech.

Full definitions of covered conditions

Full definitions of dependent child covered conditions


AdvanceCare Benefit

The AdvanceCare Benefit will pay 10% of the total benefit amount for coronary angioplasty and several early stage cancers. This benefit is not available to dependent children.


Are there limitations and exclusions I should be aware of?

Yes, there are some important limitations and exclusions for you to be aware of before you apply for coverage:

  • The insured person must survive for 30 days (90 days for paralysis, loss of independent existence or bacterial meningitis, 180 days for multiple sclerosis or loss of speech) after first being diagnosed for a benefit payment to be made.
  • If you are diagnosed with a benign brain tumour or cancer within the first 90 days of coverage, a benefit will not be payable and benign brain tumour or cancer will no longer be considered covered conditions.
  • Any covered condition or AdvanceCare Benefit Condition diagnosed prior to the effective date of coverage is excluded.
  • No benefit will be paid if the covered condition or AdvanceCare Benefit Condition results from: attempted suicide, alcohol or drug abuse, war or armed forces service, self-inflicted injury, taking poison or inhaling gas, or participation in a criminal act. For blindness, coma, deafness, loss of limbs, severe burns, paralysis or stroke, no benefit will be paid if the condition is a result of participating in hazardous sports or activities. There is also an exclusion for certain pilots.

Termination

Critical illness insurance will terminate on the earliest of the following dates:

  • the end of the policy year in which the member reaches age 75;
  • the date of any unpaid premiums.

With respect to spouses, the earlier of the above or the end of the policy year following the date they reach age 75 or they no longer qualify as a “spouse”.

With respect to dependent children, coverage terminates:

  • the date your coverage ceases for any reason;
  • the date they no longer qualify as a dependent child;
  • the date the benefit is paid for a dependent child.

What happens to my coverage if I am no longer an eligible member of this group?

With this group insurance plan, you only need to be an eligible member at time of application to maintain coverage for yourself.  Note that your Spouse and Children must continue to meet the Spouse and Dependent Child eligibility definitions to maintain their coverage. We must therefore be notified in writing to terminate spousal or dependent child coverage when eligibility requirements are no longer met.  Conversion to a separate policy is available to your spouse before age 65, within 31 days of ceasing to be eligible. A maximum of $100,000 may be converted.

Heres how little monthly premiums cost:

Critical Illness Insurance
Monthly Premium Rate per $25,000 unit*

Member and/or Spouse
Age as of April 1st*MaleFemale
 Non-Smoker**SmokerNon-Smoker**Smoker
Under 25$2.75$3.20$2.85$3.15
25-29$3.05$3.70$3.30$3.75
30-34$3.80$5.05$4.60$5.45
35-39$5.00$7.90$6.60$8.35
40-44$7.90$14.00$10.05$13.55
45-49$12.95$23.40$15.10$21.10
50-54$21.35$38.90$22.05$32.35
55-59$34.50$63.95$31.20$49.35
60-64$52.90$94.50$42.50$69.55
65-69$86.10$144.00$69.90$108.00
70-74†$143.95$231.30$99.95$156.80
One low premium covers all your children:
Benefit AmountMonthly Premium
$5,000$1.95
$10,000$3.90

* Premiums are calculated each year, based on your age at April 1st and will increase as you enter a new age band.
** Non-smoker rates apply to individuals who, at the time of application, have not used tobacco, nicotine, or cannabis mixed with tobacco in any form whatsoever within the last 12 months and who have provided satisfactory evidence of insurability.
† For renewal only. Last age to apply is 69.

Plus taxes where applicable. Rates are guaranteed for one year, and thereafter subject to annual review.

Both you and your spouse can apply for up to $300,000 of critical illness insurance under the ATA Group Insurance Plan:


Apply Online

Our online applications are the fastest, easiest way to apply for coverage. You can get a quote in minutes, with no obligation to apply.

Apply Online Today!

Please note you will need to provide credit card information if you wish to submit your application electronically.

Apply by Mail

You can also apply by submitting a paper application. 

Download and print a paper application and send your completed form to the address below.

We can only accept Cheque or Pre-Authorized Debit for mailed applications.

Applying for Dependent Child Coverage?

Please also complete the Supplemental Questionnaire for Dependent Child Insurance.

Complete all forms and send to:

Special Markets Solutions
iA Financial Group  
400 - 988 Broadway W., PO Box 5900 
Vancouver, BC V6B 5H6

Questions? We're here to help.
Call 1 (800) 266-5667 or email solutions@ia.ca