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
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.
Benign brain tumour
Coronary artery bypass surgery
Dementia, including Alzheimer's Disease
Heart valve replacement or repair
Loss of independent existence
Loss of limbs
Loss of speech
Major organ failure on waiting list
Major organ transplant
Motor neuron disease
Occupational HIV infection
Parkinson's disease and specified atypical Parkinsonian disorders
Stroke (cerebrovascular accident)
You must meet a 30 day survival period for most illnesses.
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:
Congenital heart disease
Type 1 Diabetes
Review critical illness rates.
You can also emailto ask for a personalized quote.
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
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:
Blood and urine sample
Contact the Insurance Department at 604 638 7914 to receive a claims package.or
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.
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:
Blood and urine