- Managing your Practice
-
Virtual Care
Check out guides and resources to help you better use virtual care and technology to support patients.
-
- Your Benefits
-
Exclusive deals from brands you trust
You work hard. Your downtime is important and we want to help you make the most of it to do the things you love. Club MD provides exclusive deals from trusted brands so you can spend your time on what’s important.
Go ahead, put yourself in the picture.
-
- Advocacy & Policy
-
Promoting Good Health
Advocating for better health and improved safety on behalf of British Columbians.
-
- Collaboration
-
Working Together
In partnership with the BC government, we are working to make a difference through collaborative programs.
-
- News & Events
-
Stay Informed
Stay up to date with important information that impacts the profession and your practice. Doctors of BC provides a range of newsletters that target areas of interest to you.
Subscribe to the President's Letter
Subscribe to Newsletters
-
- About Us
-
Our Strategic Framework
We have a new strategic framework that we will use to navigate our future and fulfill our purpose of making a difference, so our doctors can make theirs.
-
You are here
- Home
- Your Benefits
- Insurance
- Insurance by Product Type
- Critical Illness
You are here
- Home
- Your Benefits
- Insurance
- Insurance by Product Type
- Critical Illness
Critical Illness
Benefits
In the event of a critical illness, your focus should be on your recovery and not your finances. Available to you and your spouse, Critical illness insurance (CI) provides a one-time tax-free lump-sum benefit payment if you are diagnosed with one of 25 covered conditions. CI coverage pays in addition to disability insurance and regardless if you’re working.
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 or experimental treatment 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
Special offer
New Doctors of BC members are eligible for $50,000 in coverage for themselves and their spouse without providing proof of good health if you apply for coverage within 90 days of becoming a new member for the first time. A pre-existing condition limitation will apply to this coverage.
Covered 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 (cerebrovascular accident)
You must meet a 30 day survival period for most illnesses.
Optional Features
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
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
Find out more
Get a Quote
Rates
You can also email to ask for a personalized quote.
How to apply
Submit your completed Critical Illness application form via email, fax or mail.
- Scan & Email:
- Fax: 604 638 2909
- Mail: Doctors of BC, Insurance Department, 115 – 1665 W Broadway, Vancouver, BC V6J 5A4
Application Process
Proof of good health is required unless you meet the special offer criteria listed above. After submission of your application, we will contact you to make arrangements at no cost to you. Depending on your age, health and the amount of coverage being applied for, you may be required to provide one or more of the following:
- Telehealth interview
- Blood and urine sample
- Vitals
- Paramedical Exam
- ECG
How to Make a Critical Illness Insurance Claim
Contact the Insurance Department at or 604 638 7914 to receive a claims package.
Complimentary Advice
Book an appointment with a licensed, non-commissioned Doctors of BC Insurance Advisor to confidentially discuss your situation and learn what coverage is right for you.
Email or call 604 638 7914.
Proof of good health
After submission of your application, proof of good health is required (excluding new members within the past 90 days). We will contact you to make arrangements at no cost to you. Depending on your age, health and the amount of coverage being applied for, you may be required to provide one or more of the following:
- Telehealth interview
- Blood and urine
- Vitals
- Paramedical Exam
- ECG