Critical Illness Insurance

Stay financially healthy as you focus on your recovery

Choose the right Critical Illness Insurance with confidence

Scotia Enhanced Critical Illness Insurance

For financial protection against 22 serious critical illnesses and conditions, choose Scotia Enhanced Critical Illness Insurance

Acceptance is guaranteed. No medical questionnaire or exam required.

 

 

 

Choose $10,000, $25,000, $35,000 or $50,000 in protection, with $200,000 or $500,000 paid in the event of four life altering conditions (paralysis, blindness, dismemberment, or loss of independence).

Lump-sum benefit can be used any way you choose. 

 

 

 

Convenient payment options. Pay your premiums monthly through your credit card, chequing or savings account.

30-day review period. If you decide our Scotia Enhanced Critical Illness Insurance is not right for you, cancel within 30 days to receive a full refund of any premium paid.

Ideal if you:

  • Want budget-friendly coverage up to $50,000
  • Want coverage for a wide range of illnesses and conditions

Who can apply? 

  • Ages 20-74
  • Canadian residents* who are existing Scotiabank customers or the spouse of a Scotiabank customer 

*Not currently available in Quebec and Nunavut

For additional details:

For further information on Scotia Enhanced Critical Illness Insurance, please refer to the sample Certificate of Insurance.

Other protection options to consider

Consider purchasing these additional coverages under Scotia Enhanced Critical Illness 

Women around a table

Introducing Scotia Women’s XtraProtect*

Extra support when you need it most. 

 

Scotia Women’s XtraProtect is designed to support women’s health needs. It’s additional coverage for any covered Women’s Cancers.  No medical check is required, and acceptance is guaranteed. 

 

At a low additional cost, an insured can add the following benefits to the Scotia Enhanced Critical Illness insurance:  
 

  • A 50% increase in the Scotia Enhanced Critical Illness benefit payable if you are diagnosed with:
    • Breast Cancer
    • Ovarian Cancer 
    • Cancer of the uterus including cervix uteri and corpus uteri 
    • Any other women’s gynecological Cancer
  • Cancer Surgery Benefit- 150% of the Scotia Enhanced Critical Illness benefit payable for surgery within 6 months if it’s a Women’s Cancer, otherwise 100% payable if it’s any other Cancer.** 

No medical underwriting required, and acceptance is guaranteed.

 

For more information on Scotia Women’s XtraProtect, please refer to the sample Certificate of Insurance and Scotia Women’s XtraProtect rider.

Children lying down on a rug

Add optional Scotia Child Cancer Protect 

Scotia Child Cancer Protect provides you $5,000 in financial support if your Dependent Child is diagnosed with a covered Cancer, so you can focus on their recovery.†  
 

  • $5,000 in coverage
  • Pocket friendly premium – an additional $1 a month 
  • Covers all current and future children

For further information on Scotia Child Cancer Protect, please refer to the sample Certificate of Insurance and the Scotia Child Cancer Protect rider.

Ready to enrol or request a quote?

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Monday to Friday 10 am - 9 pm ET

Saturday 10 am - 6 pm ET
*not available in Quebec or Nunavut

Scotia Enhanced Critical Illness Insurance
®
Scotia Insurance is a registered trademark of The Bank of Nova Scotia, used under license by BNS Insurance Agency Inc. (“BNSIA”).
Scotia Enhanced Critical Illness Insurance is underwritten by Chubb Life Insurance Company of Canada and arranged for by BNSIA.  The full description of the coverage and applicable limitations, restrictions and exclusions are outlined in the Certificate of Insurance which will be sent to you when you enrol for coverage.  A sample Certificate of Insurance is available here.
The benefit is only paid for the first Insured Condition that occurs. Please refer to the sample Certificate of Insurance for information that defines Insured Conditions and the necessary survival period after diagnosis.

Scotia Enhanced Critical Illness Insurance cannot be purchased in Scotiabank branches.

 

*
Scotia Women’s XtraProtect is an additional benefit available to eligible individuals who enrol in Scotia Enhanced Critical Illness Insurance.  Additional premiums apply. Scotia Women’s XtraProtect is subject to the terms and conditions set out in the rider for this coverage and the Scotia Enhanced Critical Illness Insurance Certificate, including the definition of Cancer in the certificate.
**
Cancer Surgery Benefit applies if surgery is required within 6 months of diagnosis for a covered Cancer. It increases the benefit amount payable under Scotia Enhanced Critical Illness insurance in connection with such Cancer diagnosis by 150% if it is a Women’s Cancer or by 100% if it's a surgery required within 6 months of diagnosis for any other covered Cancer.  This benefit is not available for any other Critical Illnesses covered by Scotia Enhanced Critical Illness.
†

Scotia Child Cancer Protect is an additional benefit available to eligible individuals who enrol in Scotia Enhanced Critical Illness Insurance.  Additional premiums apply. Scotia Child Cancer Protect is subject to the terms, conditions and exclusions set out in the rider for this coverage and the Scotia Enhanced Critical Illness Insurance Certificate, including the definition of Cancer in the certificate.  Coverage is not available for dependent children born within 1 year of the effective date of the coverage or latest reinstatement.

 

Scotia Critical Illness Insurance
®
Scotia Insurance is a registered trademark of The Bank of Nova Scotia, used under license by BNS Insurance Agency Inc (“BNSIA”).
Scotia Critical Illness Insurance is arranged for by BNSIA and is underwritten by Canadian Premier Life Insurance Company. Securian Canada is the brand name used by Canadian Premier Life Insurance Company and Canadian Premier General Insurance Company to do business in Canada.
This site contains only a brief description of the benefits and limitations of Scotia Critical Illness Insurance.  A description of principal provisions of the coverage is provided in the Certificate of Insurance, which will be mailed to you if you are approved for coverage. Coverage is subject to all of the provisions contained in the applicable Group Policy. In the event of any conflict between any documents, including this website and the Certificate of Insurance, the Group Policy shall govern.
The benefit is only paid for the first Covered Critical Illness that occurs. Detailed definitions of the illnesses and the necessary survival period after diagnosis can be found on the Product Details Page.
Scotia Critical Illness Insurance cannot be purchased in Scotiabank branches.