• Up to $300,000 of coverage for yourself.
  • Up to $300,000 of coverage for your spouse.
  • Up to $10,000 of coverage for each of your dependent children.

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Your protection and satisfaction are our top priorities. That is why we offer a 60 day money-back guarantee. If you are not fully satisfied with your coverage, you may cancel it by marking “CANCEL” on your Group Insurance Certificate and returning it to us within 60 days from the effective date. You’ll receive a full refund of any premiums already paid.

Everything you need to know about this plan:

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. Benefit payments for your children will be paid to you.

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Who can apply?
  • Members of the Canadian Armed Forces (serving and former) and their spouses. Applicants must be under the age of 70 and be a Canadian resident.
  • Providing they are also applying for coverage, either the Member or their spouse can also apply for dependent children who are under age 21 (up to 24 if they are enrolled full-time at a post secondary school).
What am I covered for?

Members and spouses 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

Click here to view full definitions of the 25 Covered Conditions

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

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

Click here to see full definitions of these illnesses.

How much can I apply for?

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. Coverage is purchased in $25,000 increments.

Eligible dependent children can be covered for a maximum of $10,000 each, in increments of $5,000. All your dependent children are covered for one low premium.

How can I pay my premiums?

You have the choice of paying monthly by credit card or pre-authorized debit or annually by cheque or credit card. Payroll deduction is not available.

Will my premiums stay the same?

Premiums are calculated based on your age and applicable rate as of July 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 page to find out your age band and monthly premium.

When does my coverage take effect?

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

When does my coverage terminate?

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 due date of any unpaid premiums;
  • the date the Group Policy between the Chief of the Defence Staff and Industrial Alliance Insurance and Financial Services Inc. terminates.

With respect to spouses:

  • the earlier of the above or the end of the policy year following the date they reach age 75;
  • the end of the policy month in which they no longer qualify as a spouse.

With respect to children, coverage terminates on the earliest of the following dates:

  • the end of the policy month in which the member and/or spouse's coverage ceases for any reason;
  • the end of the policy month they no longer qualify as a dependent child;
  • the date the benefit is paid for a dependent child.
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 may either print off the appropriate application in the "Apply For Coverage" section, or apply online 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 Inc.
400 - 988 Broadway W.
PO Box 5900
Vancouver BC V6B 5H6

Are there limitations or 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 the insured person is 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 will not be covered .
  • No benefit will be paid if the covered condition or AdvanceCare Benefit condition results from: attempted suicide, alcohol or drug abuse, self-inflicted injury, or participation in a criminal act.

The following exclusions also exist but do not apply if the activities are performed as a result of your service with the Canadian Armed Forces.

  • No benefit will be paid if the covered condition or AdvanceCare Benefit condition results from taking poison or inhaling gas, whether voluntarily or involuntarily.
  • No benefit will be paid if the covered condition or AdvanceCare Benefit condition results from flying as a student pilot or flying as a privately licensed pilot for less than 25 hours or more than 400 hours per year.
  • 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.
What is the definition of a spouse?

“Spouse” means the legal or common-law spouse of a Member.

Legal spouse is a person who is legally married to and cohabiting with the Member and with whom there is no formal or informal agreement of separation.

Common-law spouse is a person who is cohabiting in a marriage-like relationship with the Member.

What is the definition of a dependent child?

Dependent Child: any natural child, step-child or legally adopted child of the Member who is:

  • under 21 years of age, unmarried and in receipt of full support and maintenance from the Member; or
  • over 21 years but under 25 years of age, unmarried and in receipt of full support and maintenance from the Member for reason of full-time attendance at a recognized school, college or university.
  • If already insured, a mentally or physically disabled natural child, step child or legally adopted child may remain covered past age 20 provided they are incapable of self-sustaining employment and receive full parental support and maintenance from the Member.
How does critical illness insurance differ from life insurance?

Life insurance provides your beneficiaries with a lump-sum payment in the event of your death. Critical illness insurance is a living benefit for you. Upon diagnosis of a covered condition, your critical illness insurance benefit can be used to provide help with any expenses arising from your diagnosis and/or treatment, or in any way you choose. This keeps you focused on getting well.

How does critical illness insurance differ from health benefits?

Your existing health benefits pay for medical costs, but there are many other expenses associated with a serious illness that are not covered. Critical illness insurance pays a lump-sum, tax-free benefit on top of your other insurance plans to use any way you wish.

Does critical illness insurance duplicate or replace disability benefits?

No. The two products provide complementary, but different benefits and are important in creating a complete umbrella of insurance coverage. While disability benefits cover a much broader range of disabilities, payments are subject to ongoing review of your medical condition. Critical illness insurance pays a lump-sum benefit that is not dependent on your ability or inability to work, or whether or not a full recovery is made.

What is Multiple Event Coverage?
  • Multiple Event Coverage allows you to claim for the diagnosis of more than one unrelated covered condition.
  • The subsequent diagnosis must be for a covered condition in a different Multiple Event Coverage Grouping (see below). You cannot claim more than once within each Grouping.
  • Payment of Multiple Event Coverage benefits is limited to one covered condition within any Grouping. (Note that Stroke is categorized under two Multiple Event Coverage Groupings).
Multiple Event Coverage GroupingCovered Condition
Group 1Cancer (Life-Threatening)
Group 2Aortic Surgery, Coronary Artery Bypass Surgery, Heart Attack, Heart Valve Replacement or Repair, Stroke
Group 3Bacterial Meningitis, Benign Brain Tumour, Coma, Dementia including Alzheimer’s Disease, Loss of Independent Existence, Loss of Speech, Motor Neuron Disease, Multiple Sclerosis, Paralysis, Parkinson’s Disease and Specified Atypical Parkinsonian Disorders, Stroke
Group 4Aplastic Anemia, Kidney Failure, Major Organ Failure On Waiting List, Major Organ Transplant
Group 5Blindness
Group 6Deafness
Group 7Severe Burns
Group 8Loss of Limbs
Group 9Occupational HIV Infection


For full definitions of covered conditions please see solutionsinsurance.com/ci25

How do I make a claim?

We want your claims process to be as hassle-free as possible. If you need to file a claim, please either contact your local SISIP Financial Advisor or call the iA Financial Group Client Service line at 1.855.747.4717. A Claims Specialist will walk you through the necessary steps.

Treatment Management Services by Claims at TuGo

Claims at TuGo is a service that helps in obtaining specialized, private medical treatment at claim time to those insured under the SISIP Financial Critical Illness Insurance Plan.

Claims at TuGo’s database provides information on all US hospitals for specific conditions/procedures comparing criteria such as Mortality Rates, Length of Stay, Complication Rates, Costs and Numbers of Procedures Performed. This information is used to direct patients to the medical facility best suited for their conditions and geographic location of choice. Coordination of consultations with related specialists can also be arranged through the hospital. Dealing with the US medical system can be time-consuming and confusing for many people. Claims at TuGo can negotiate costs on behalf of patients, ensuring they are paying a reasonable amount for the services they receive.

Some medical services are available privately within Canada. Through Claims at TuGo’s experience in the private system, insureds can have access to information about options within Canada for consultations, evaluations and/or treatment.

Frequently Asked Questions

Questions? We're here to help.
Call 1.855.747.4717, or email sisipci@ia.ca