Critical Illness Insurance

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Are you ready to pay health-related costs or to assume your financial obligations in case of a critical illness? UL Mutual's critical illness insurance provides you with the means to get back on your feet without worrying about money.

Types of critical illness insurance


Free yourself from the stress of a critical or a non-critical illness diagnosis with the flexibility of AdapCI, a critical illness insurance.

  • Protection from $10,000 to $2,000,000
  • Limited payments (20 years minimum)
  • Coverage for 24 critical illnesses or conditions
  • Coverage for 4 non-critical illnesses
  • Return of premiums available (after 10 years)
  • Medical, psychological, legal and other assistance services
  • Unique coverage in Canada named “Extended Disability”

List of covered illnesses and conditions

Covered critical illnesses and conditions

  • Cancer
  • Heart attack
  • Stroke
  • Coronary artery bypass surgery
  • Kidney failure
  • Major organ transplant or failure
  • Aortic surgery
  • Heart valve replacement
  • Benign brain tumour
  • Blindness
  • Deafness
  • Paralysis
  • Multiple sclerosis
  • Severe burns
  • Coma
  • Loss of speech
  • Loss of limbs
  • Motor neuron disease
  • Alzheimer's disease
  • Parkinson's disease
  • Occupational HIV infection
  • Bacterial meningitis
  • Aplastic anemia
  • Loss of independent existence*
  • Congenital heart disease**
  • Cerebral palsy**
  • Cystic fibrosis**
  • Autism**
  • Rett syndrome**
  • Type 1 diabetes mellitus**
  • Muscular dystrophy**

Covered non-critical illnesses***

  • Coronary angioplasty
  • Stage A (T1a or T1b) prostate cancer
  • Stage 1A malignant melanoma
  • Ductal carcinoma in situ of the breast

* Specific to AdapCI

** Specific to AdapCI – Juvenile Plan (under 16 years old)

*** In case of diagnosis of one of the following illnesses, the policy holder receives an additional amount of 10% of the sum insured in force, for a maximum of $50,000.


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