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).*

Covered conditions

Here’s a list of conditions covered under the Lifecheque plans:

Aortic surgery

Aplastic anemia

Bacterial meningitis

Benign brain tumour


Cancer (life threatening)


Coronary artery bypass surgery


Dementia, including Alzheimer’s disease

Heart attack

Heart valve replacement or repair

Kidney failure

Loss of limbs

Loss of speech

Major organ failure (on waiting list)

Major organ transplant

Motor neuron disease

Multiple sclerosis

Occupational HIV infection


Parkinson’s disease and specified atypical parkinsonian disorders

Severe burns


*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

Coronary angioplasty

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.

Lifecheque. Because recovery will be your first priority.