Critical Illness Insurance
Stay financially healthy as you focus on your recovery
Choose the right Critical Illness Insurance with confidence
Scotia Enhanced Critical Illness Insurance
For financial protection against 22 serious critical illnesses and conditions, choose Scotia Enhanced Critical Illness Insurance
Acceptance is guaranteed. No medical questionnaire or exam required.
Choose $10,000, $25,000, $35,000 or $50,000 in protection, with $200,000 or $500,000 paid in the event of four life altering conditions (paralysis, blindness, dismemberment, or loss of independence).
Lump-sum benefit can be used any way you choose.
Convenient payment options. Pay your premiums monthly through your credit card, chequing or savings account.
30-day review period. If you decide our Scotia Enhanced Critical Illness Insurance is not right for you, cancel within 30 days to receive a full refund of any premium paid.
Ideal if you:
- Want budget-friendly coverage up to $50,000
- Want coverage for a wide range of illnesses and conditions
Who can apply?
- Ages 20-74
- Canadian residents* who are existing Scotiabank customers or the spouse of a Scotiabank customer
*Not currently available in Quebec and Nunavut
For additional details:
For further information on Scotia Enhanced Critical Illness Insurance, please refer to the sample Certificate of Insurance.
Other protection options to consider
Consider purchasing these additional coverages under Scotia Enhanced Critical Illness
Introducing Scotia Women’s XtraProtect*
Extra support when you need it most.
Scotia Women’s XtraProtect is designed to support women’s health needs. It’s additional coverage for any covered Women’s Cancers. No medical check is required, and acceptance is guaranteed.
At a low additional cost, an insured can add the following benefits to the Scotia Enhanced Critical Illness insurance:
- A 50% increase in the Scotia Enhanced Critical Illness benefit payable if you are diagnosed with:
- Breast Cancer
- Ovarian Cancer
- Cancer of the uterus including cervix uteri and corpus uteri
- Any other women’s gynecological Cancer
- Cancer Surgery Benefit- 150% of the Scotia Enhanced Critical Illness benefit payable for surgery within 6 months if it’s a Women’s Cancer, otherwise 100% payable if it’s any other Cancer.**
No medical underwriting required, and acceptance is guaranteed.
For more information on Scotia Women’s XtraProtect, please refer to the sample Certificate of Insurance and Scotia Women’s XtraProtect rider.
Add optional Scotia Child Cancer Protect
Scotia Child Cancer Protect provides you $5,000 in financial support if your Dependent Child is diagnosed with a covered Cancer, so you can focus on their recovery.†
- $5,000 in coverage
- Pocket friendly premium – an additional $1 a month
- Covers all current and future children
For further information on Scotia Child Cancer Protect, please refer to the sample Certificate of Insurance and the Scotia Child Cancer Protect rider.
Ready to enrol or request a quote?
Call us toll-free
Monday to Friday 10 am - 9 pm ET
Saturday 10 am - 6 pm ET
*not available in Quebec or Nunavut
Scotia Enhanced Critical Illness Insurance cannot be purchased in Scotiabank branches.
Scotia Child Cancer Protect is an additional benefit available to eligible individuals who enrol in Scotia Enhanced Critical Illness Insurance. Additional premiums apply. Scotia Child Cancer Protect is subject to the terms, conditions and exclusions set out in the rider for this coverage and the Scotia Enhanced Critical Illness Insurance Certificate, including the definition of Cancer in the certificate. Coverage is not available for dependent children born within 1 year of the effective date of the coverage or latest reinstatement.