Lifecheque® Basic critical illness insurance

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Help protect your finances when critically ill

If you’re diagnosed with a critical illness, you want to have enough money to cover both your usual and additional expenses so that you can focus on your treatments. Get affordable, simple and easy to purchase protection through Lifecheque Basic critical illness insurance.


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

Keep your business running and help protect your business partners

Keep up with mortgage and debt payments

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

Top up payments from your employee benefits plan

Coverage options for all ages from 18-75 years old

Guaranteed coverage

  • Stay protected to age 75 even if your health or occupation changes
  • Purchase your insurance with confidence, with a 30-day money-back guarantee

Medical Second Opinion

Independent review of diagnosis and treatment recommendations quickly and easily.

Learn more

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 being diagnosed with a covered condition and meeting any applicable waiting period requirements. Covered conditions included:

  • Life-threatening cancer
  • Heart attack (30-day waiting period applicable)
  • Stroke (30-day waiting period applicable)
  • Coronary artery bypass surgery (30-day waiting period applicable)
  • Aortic surgery (30-day waiting period applicable) 

Choose your coverage:

  • $25,000, $50,000 or $75,000 if you’re between 18-55
  • $25,000 or $50,000 if you’re between 56-60
  • $25,000 if you’re between 61-65

Optional add-on:

If you have never made a claim, get your premiums back when you turn 75

Ready to buy?

If you’re ready to buy Lifecheque Basic insurance, or if you have questions, speak to your advisor. If you don’t have an advisor, we can help you find one.

Need to file a claim?

Contact a Manulife Representative by phone: 1-800-668-0195

Please be prepared to provide your policy number, full name, address, date of birth, diagnosis and date of diagnosis. (Please allow 2-5 business days for claims forms to be sent to you.)