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 or $25,000 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.
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 $25,000
- 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.
Ready to enrol or request a quote?
® 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 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. Sun Life Assurance Company of Canada is the insurer of this product and is a member of the Sun Life group of companies.
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.