Manulife CoverMe
CoverMe™ Critical Illness Insurance What's Covered

The CoverMe Critical Illness plan offers extra assistance and fewer financial worries at the time you may need it most. The plan covers five major critical illnesses and conditions, defined as follows:

  • Cancer
    A definite diagnosis of a tumour characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue.
    The diagnosis of cancer must be made by a specialist. The insured must survive for a period of 30 days following the date the condition is diagnosed in order for benefits to be paid.
  • Heart Attack
    A definite diagnosis of the death of heart muscle due to obstruction of blood flow, that results in the rise and fall of biochemical cardiac markers to levels considered diagnostic of myocardial infarction, with at least one of the following:

    • heart attack symptoms
    • new electrocardiogram (ECG) changes consistent with a heart attack
    • the development of new Q waves during or immediately following an intra-arterial cardiac procedure including, but not limited to, coronary angiography and coronary angioplasty.

    The diagnosis of heart attack must be made by a specialist. The insured must survive for a period of 30 days following the date the condition is diagnosed in order for benefits to be paid.

  • Stroke
    A definite diagnosis of an acute cerebrovascular event caused by intra-cranial thrombosis or haemorrhage, or embolism from an extra-cranial source, with:

    • acute onset of neurological symptoms, and
    • new objective neurological deficits on clinical examination,
    • and persisting for more than 30 days following the date of diagnosis. These new symptoms and deficits must be corroborated by diagnostic imaging testing.
      The diagnosis of stroke must be made by a specialist. The insured must survive until all of the criteria outlined (in Stroke, above) have been met in order for benefits to be paid.

  • Coronary Artery Bypass surgery
    The undergoing of heart surgery to correct narrowing or blockage of one or more coronary arteries with bypass graft(s), excluding any non-surgical or trans-catheter techniques such as balloon angioplasty or laser relief of an obstruction.
    The surgery must be determined medically necessary by a specialist. The insured must survive for a period of 30 days following the date of the surgery in order for the benefit to be paid.
  • Aortic surgery
    The undergoing of surgery for disease of the aorta requiring excision and surgical replacement of the diseased aorta with a graft. Aorta refers to the thoracic and abdominal aorta, but not its branches.
    The surgery must be determined medically necessary by a specialist. The insured must survive for a period of 30 days following the date of the surgery in order for the benefit to be paid.

In the unfortunate event that you are diagnosed with one of the critical illnesses or conditions mentioned above, you'll be eligible to receive a one-time, lump sump benefit of $25,000, $50,000 or $75,000 – paid directly to you, as long as you survive for a period of at least 30 days.

Get the extra peace-of-mind you deserve with the CoverMe Critical Illness plan.