Lifecheque - covered conditions
What conditions does Lifecheque cover?
Manulife offers four Lifecheque plans. Depending on the plan you choose, you will receive a cash benefit to spend as you like if you’re diagnosed with any of the covered conditions defined in your contract and you satisfy the waiting period (30 days in most cases).*
Here’s a list of conditions covered under the Lifecheque plans:
Benign brain tumour
Cancer (life threatening)
Coronary artery bypass surgery
Dementia, including Alzheimer’s disease
Heart valve replacement or repair
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
*The Lifecheque contract provides details of the coverage available under the plan you choose. Restrictions may apply and some waiting periods are longer than 30 days. An advisor can provide more details.
There’s more. Thanks to advancements in medical science, many illnesses that were once critical can now be treated with great success, especially with early intervention. The earlier the treatment, the faster the recovery.
That’s why it's so important. It offers a cash benefit of 25% of your coverage (up to a maximum of $50,000) for:
Chronic lymphocytic leukemia (CLL) Rai stage 0
Ductal carcinoma in situ of the breast
Papillary or follicular thyroid cancer stage T1
Stage A (T1a or T1b) prostate cancer
Stage 1 malignant melanoma
Getting your money fast means your recovery can begin sooner.
Let’s face it. If you’re diagnosed with a critical illness, you’ll probably spend lots of time waiting for appointments, test results, treatments and so on. With our Recovery Benefit, you can get some money faster – without having to fulfill the waiting period.
It gets better. If you qualify for our LivingCare Benefit, you’ll receive a monthly Care Benefit if you become functionally dependent and satisfy the waiting period (90 days).
Functionally dependent means you require assistance with two or more of the Activities of Daily Living or you require substantial supervision due to a cognitive impairment.
For details about the Early Intervention Benefit, Recovery Benefit, or LivingCare Benefit, please contact an advisor.
Your peace of mind and recovery are important to us. If you need to make a critical illness claim, we’re here to help.