ADIUM Insurance Services Inc.
The AMA’s Critical Illness (CI) Insurance plan is designed to help you maintain your lifestyle and reduce the financial stresses you may experience if you are diagnosed with one of 25 covered medical conditions.
CI insurance provides you with a lump-sum payment that you can use however you choose, allowing you to focus on recovery, rather than your bills. You can use the payment to help cover:
- Medical costs or expensive treatments that may not be covered by your supplemental health insurance and/or government health care plan
- Health care outside of Canada
- Replacing a family member’s salary while they care for you
- Personal or business loan payments
- Child care expenses
- Home maintenance or renovation
AMA CI Insurance covers 25 adult illnesses
- Aortic surgery
- Aplastic anemia
- Bacterial meningitis
- Benign brain tumour
- Blindness
- Cancer (life-threatening)
- Coma
- Coronary artery bypass surgery
- Deafness
- Motor neuron disease
- Multiple sclerosis
- Occupational HIV infection
- Paralysis
- 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
- Parkinson's disease and specified atypical Parkinsonian disorders
- Severe burns
- Stroke (cerebrovascular accident)
Competitive group rates
By purchasing insurance through ADIUM you enjoy competitive rates. Thanks to the power of your group membership, you’ll be hard-pressed to find lower rates on individual plans.
Portable coverage
With AMA, your coverage is portable worldwide (contact ADIUM for details).
Expert advice, at no added cost
Benefit from the knowledge of ADIUM administration, an easy application & approval process with no built-in sales commission.
You and your spouse can purchase $50,000 to $1,000,000 of coverage (in units of $10,000).
Freedom to spend the benefit as you wish
- How you spend this benefit is entirely up to you.
- Critical Illness benefits are paid to you whether or not you’re able to work, unlike Disability Insurance.
You benefit even if you recover
- The benefit is paid to you even if you make a full recovery, as long as you qualify to receive a benefit payment.
Waiver of Premium
- You’ll no longer pay premiums should you become totally disabled (for at least six months in a row) before age 65 – coverage in place for as long as you continue to be disabled.
Child Critical Illness
- When you apply, you can add $5,000 to $20,000 of CI coverage (in units of $5,000) for your child(ren).
- One premium covers (all) your eligible child(ren).
- In addition to the 25 covered illnesses (above), the following six child illnesses are also covered:
- Cerebral palsy
- Congenital heart disease
- Cystic fibrosis
- Down syndrome
- Muscular dystrophy
- Type 1 Diabetes
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Learn more about AMA’s Critical Illness insurance including: coverage and highlights, eligibility and exclusions.
Important Notes
- Coverage becomes effective on the date your application is approved, subject to receiving your premium payment.
- For coverage issued without proof of good health, no benefit will be paid for any critical illness that occurs within 24 months of an insured’s effective date of coverage resulting from injury, illness, or medical condition for which they had symptoms, consulted a physician or other healthcare practitioner during 24 months prior to the effective date of an insured’s coverage.
Underwritten by The Manufacturers Life Insurance Company
Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. All rights reserved. Manulife, PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8
Complete details of coverage, including any limitations, restrictions or exclusions that may apply, are set out in the Policy Certificate provided on enrollment