Critical Illness Insurance

Up to $300,000 of Critical Illness Insurance coverage is available through the BCTF group insurance program.

If serious illness interrupts your life, Critical Illness Insurance provides a tax-free lump-sum payment to spend any way you need. It covers 25 life-altering illnesses including cancer, heart disease, and stroke.

You're covered for 25 critical illnesses, including heart attack, cancer, and stroke.

Common uses of your Critical Illness Benefit include:

  • Paying off bills
  • Home adaptation
  • Taking a vacation
  • Supplementing your pension


BCTF members and their spouses under 65 years of age, who are residing in Canada.

*Provision regarding Quebec Residents 

Quebec residents under age 65 must be covered under a private drug plan in order to be eligible for and retain all coverage, with the exception of Life coverage.

What makes your BCTF plan special?

Your group advantage
BCTF uses your group buying power to negotiate exceptional value, with features you won’t find anywhere else.

Spouse Coverage
Your spouse is also eligible to apply under the BCTF plan. It's even better to have Critical Illness Insurance, together.

After the initial application process, your coverage is no longer tied to your membership with BCTF and you can continue your coverage even if your membership with BCTF ends.


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


The BCTF Critical Illness Insurance plan also offers these additional benefits:

How you use your money is up to you
Your benefit amount is tax-free, and you can spend it any way you wish. Common uses include paying off debts, home adaptation, childcare, investment, vacation, supplementing your pension, or lifestyle changes.

Multiple Event Coverage
No one knows the value of critical illness insurance better than someone who has already received a benefit payment. The Multiple Event Coverage benefit allows insured members and spouses to claim multiple times for separate and unrelated covered conditions. For more information about this benefit, visit

You are also covered for several non life-threatening conditions 
The AdvanceCare Benefit will pay 10% of the total benefit amount for coronary angioplasty and several early stage cancers. The benefit is payable for only one AdvanceCare Benefit Condition. However, payment of the AdvanceCare Benefit will not affect the benefit payment for a subsequent diagnosis of one of the 25 covered conditions.

Payment is not dependent on your ability to work, or your recovery
Unlike Long Term Disability Insurance, you will receive your Critical Illness Insurance benefit payment regardless of whether you are able to work while you are ill, or whether or not you make a full recovery.

CI money back guarantee
We offer a 60 day money back guarantee. If you are not fully satisfied, you can cancel your coverage and return the Certificate within 60 days of the effective date. You'll receive a full refund of any premiums already paid.

You and your spouse can each apply for coverage to a maximum of $300,000. Together, you could have up to $600,000 of protection for your family.

Critical Illness Insurance
Your Monthly Premium (per $25,000 of coverage):

Member and/or Spouse
Monthly Premium Rates per $25,000 Unit
Age as of January 1*MaleFemale
24 or less$2.50$3.55$2.50$3.45
25 - 29$3.35$5.55$3.45$5.70
30 - 34$4.15$7.50$4.30$8.25
35 - 39$5.05$9.80$5.20$10.25
40 - 44$7.05$15.05$7.65$14.90
45 - 49$10.75$25.20$11.65$23.25
50 - 54$16.10$41.90$16.65$35.70
55 - 59$22.10$62.65$21.95$54.35
60 - 64$37.10$101.80$35.45$76.70
65 - 69$54.50$155.15$54.00$119.15
70 - 74$108.50$249.15$77.25$172.90
Rates are subject to provincial sales tax where applicable.

Important information about your premium rates:

**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.

The premiums shown for ages 65 to 74 are for renewal of existing coverage only.

*Premiums are calculated each year, based on your age at January 1, and will increase as you reach a higher age band.

You can also apply for up to $10,000 in coverage for your children. Children will be protected for the same 25 illnesses as adults plus 6 child-specific conditions:

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

For more information and application instructions, please visit our Dependent Children Critical Illness Insurance page.

1. Am I eligible for Critical Illness Insurance?

Members and their spouses are eligible to apply for Critical Illness Insurance if they are under age 65 and residing in Canada.

Member means a person who, at the time of application, is employed directly by the Policyholder or who is a member of the British Columbia Teacher’s Federation and holds active membership, associate membership, or affiliated administrative membership.

Spouse means the legal or common-law spouse of an eligible member, provided there is no formal or informal agreement of separation in effect. Legal spouse means a person who is legally married and cohabiting with the member and with whom there is no formal or informal agreement of separation. Common-law spouse means individual who has been cohabiting with the member in a marriage-like relationship for a period of at least 12 consecutive months.

If you are eligible to apply both as a member and as a spouse, you will only be considered for insurance as a member.

*Provision regarding Quebec Residents 

Quebec residents under age 65 must be covered under a private drug plan in order to be eligible for and retain all coverage, with the exception of Life coverage.

2. When does my coverage terminate?

Your coverage terminates on the earliest of the following dates:

  • the date the Group Master Policy between BCTF and Industrial Alliance Insurance and Financial Services terminates;
  • the December 31 coincident with or next following your 75th birthday.

With regard to your spouse's Critical Illness Insurance, the earliest of the above, or the December 31 coincident with or next following the date they reach age 75 or the end of the month in which they no longer qualify as a "spouse".

3. Will my premiums stay the same?

Premiums are calculated based on your age and applicable rate as of January 1 each year. As the rates are in 5-year age bands, premiums will increase as you reach a higher age band. Please refer to the pricing tab to find out your age band and monthly premium.

4. Can I change amounts of insurance?

Yes, provided your total coverage is no more than $300,000. To increase coverage, you will need to complete a new application. You can print off the appropriate application in the Apply Now section for additional coverage.

Decreases in coverage require your written authorization. These can be submitted to us by mail. Please ensure you have signed and dated your request. You can mail your request to:

Special Markets Solutions
Industrial Alliance Insurance and Financial Services
400 - 988 Broadway W.
PO Box 5900
Vancouver BC V6B 5H6

5. Are there any limitations or exclusions I should be aware of?

There are several important limitations and exclusions:

  • Any covered condition or AdvanceCare Benefit Condition diagnosed prior to the effective date of coverage is excluded.
  • 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. 
  • 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 paralysis, blindness, deafness, severe burns, stroke, coma, or loss of limbs no benefit will be paid if the condition is a result of participating in amateur or professional boxing, bungee jumping, B.A.S.E. jumping, cliff diving, mountain climbing, motor vehicle racing or speed competition on land and/or water, parachuting or underwater activities, including scuba diving or snuba diving. There is also an exclusion for certain pilots.

Some illnesses have exclusions, refer to the full illness definition list for details.

6. Where can I find out more information?

For more information please see our Customer Service page. You can also speak to a Client Service Specialist by email at, or call our toll-free number at 1 (800) 266-5667 (6:30am to 4:30pm Pacific Time).

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