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OPIP - Critical Illness

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Critical Illness

OPIP coverage for members includes a Critical Illness benefit. If approved for a claim, you may receive $50,000 lump sum payment1 after surviving a diagnosis of one of 25 covered serious illnesses. Your payment gives you the freedom and flexibility to use the funds as you see fit. For example, you can use the money for:

  • out-of-country treatment, travel and expenses
  • experimental treatment​
  • medical equipment; home modification
  • private nursing or personal support worker
  • mortgage or other debts

At time of initial OPIP application, OMA members under age 65 can also purchase an additional $50,000 each for coverage for themselves and their spouse - with no medical evidence required - under the OMA Group Critical Illness Insurance plan.

For OPIP Health and Health Plus premiums, click here.

$50,000 of Critical Illness Insurance under OPIP

Monthly Plan Costs – Subsidized at 70% by the Government

Age2

Male
Non-Smoker

Female
Non-Smoker

Male
Smoker

Female
Smoker

Actual Cost

You Pay 30%

Actual Cost

You Pay 30%

Actual Cost

You Pay 30%

Actual Cost

You Pay 30%

< 30

$5.07

$1.52

$4.40

$1.32

$5.93

$1.78

$5.31

$1.59

30 – 34

$7.09

$2.13

$8.21

$2.46

$9.45

$2.84

$11.20

$3.36

35 – 39

$8.58

$2.57

$10.33

$3.10

$12.57

$3.77

$16.56

$4.97

40 – 44

$12.57

$3.77

$14.06

$4.22

$22.16

$6.65

$26.64

$7.99

45 – 49

$21.54

$6.46

$20.42

$6.13

$43.69

$13.11

$42.57

$12.77

50 – 54

$34.98

$10.49

$27.26

$8.18

$80.55

$24.17

$59.51

$17.85

55 – 59

$55.40

$16.62

$36.72

$11.02

$135.70

$40.71

$77.56

$23.27

60 – 64

$91.13

$27.34

$52.04

$15.61

$217.87

$65.36

$99.72

$29.92

65 – 692

$157.69

$47.31

$85.18

$25.55

$334.18

$100.25

$141.31

$42.39


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The actual cost is subsidized at 70% by the government with the remainder paid by the member. Premium rates are subject to applicable sales tax. Rates are reviewed on an annual basis and are subject to change. Rates are based on gender, age band and smoking status.

"Age" means attained age as of Policy Anniversary (Jan 01). Please note premiums change as you reach certain ages as shown in the table.

​​1 Based on the current tax laws, the cash benefit from a group critical illness insurance plan will not presently be ​taxed when the premiums are paid for by you and the benefit is payable to you. Diagnosis of a critical illness, such as cancer, heart attack or stroke must occur after the effective date of coverage and you must complete a Surivival Period (usually 30 days).

2​ Critical Illness insurance is only available to members under age 65. Critical Illness Insurance is available to members age 65 and over only when renewing coverage, which ends at age 70.