The Canadian Bar Insurance Association: Critical Illness Rider: Covered Conditions

Covered Conditions

CBIA Critical Illness insurance pays a lump sum benefit upon diagnosis of one of eighteen covered conditions. In most cases, you must survive 30 days from diagnosis; some illnesses may have a longer survival period. Eligibility for a claim may be subject to a specific diagnosis by a qualified physician. The following conditions are covered:

• Heart attack

• Stroke

• Life threatening cancer

• Coronary artery bypass surgery

• Multiple Sclerosis

• Blindness

• Deafness

• Loss of speech

• Kidney failure

• Major organ transplant

• Paralysis

• Loss of limbs

• Coma

• Motor neuron disease

• Severe burns

• Occupational HIV

• Parkinson’s Disease

• Alzheimer’s