Help protect your finances and focus on recovery

If you develop a critical illness, you may need to take time off work, arrange additional care for your children, travel to specialized treatment centres and more. Help give yourself financial flexibility to do whatever it takes to get better with Lifecheque critical illness insurance.


Receive your payout faster, with some of your benefit available before the end of the waiting period

Set your own priorities with a benefit you can use to replace your income

Keep up with mortgage and debt payments

Set your own priorities with a benefit you can use to help Manage extra costs

Keep your business running and minimize disruption

Provide additional income on top of your employee benefits plan

Long term care

Option to convert permanent coverage to a long term care product after 20 years

Health Service Navigator

If you’re insured with a Manulife critical illness policy or Synergy solution, you and your eligible dependants may be able to take advantage of Health Service Navigator’s exclusive benefits, at no extra cost.

Health Service Navigator is offered through and is a registered trademark of Manulife (The Manufacturers Life Insurance Company). Health Service Navigator is powered by WorldCare Inc. WorldCare and The WorldCare Consortium are trademarks of WorldCare Limited, used under license.

Plan details

Core plan:

  • You receive a tax-free, lump-sum benefit after satisfying the waiting period if you’re diagnosed with one of 24 critical illnesses
  • Receive partial benefit (25% payout up to $50,000) in the event of a non-life threatening illness
  • Receive a monthly Care Benefit if you need long term care

Optional add-ons:

  • Get your premiums back if you surrender your policy early, your policy expires or you die without making a claim
  • Help protect your children and provide them the opportunity to get their own critical illness insurance when they turn 21, without medical underwriting
  • If you become totally disabled, we pay the premium

Note: Above features may be subject to terms and conditions

Ready to buy?

You can get a quote and purchase this insurance online through CoverMe.