Accidental Death and Dismemberment Insurance
Accident coverage you control.
Accidents are unexpected but one thing you can plan for is making sure you have the appropriate safety net in place for you and your family. Protection is available with OMA Accidental Death and Dismemberment Insurance — a simple and affordable way to complement your existing Life and Disability Insurance coverage.
Should an accident debilitate you or result in your death, this benefit pays a lump sum in addition to any other benefit you or your family may receive.
The benefits of OMA Accidental Death and Dismemberment Insurance
No medical evidence required
If you are actively practicing medicine in Canada and under the age of 70, your application will not be declined.
Coverage wherever you are
As long as you remain a member of the OMA, you can continue your coverage regardless of where you live.
Waiver of premiums
If you become totally disabled prior to age 65 and continue to be totally disabled for 270 days, payment of premiums for your coverage may be waived provided proof is submitted no later than 12 months after the date you became totally disabled, while you remain totally disabled, or until you reach age 70, whichever occurs first.
The choice is yours
You can choose to insure yourself or yourself and your family. You may select from a minimum of $100,000 to a maximum of $1,000,000 (in units of $100,000). Note: pilot or crew-member coverage is limited to $300,000.
If accidental injuries result in death or dismemberment within 365 days of the accident, benefits will be paid as follows:
Loss |
Amount payable of insured amount (per cent) |
---|---|
Paralysis (quadriplegia, paraplegia or hemiplegia) |
200 per cent |
Death |
100 per cent |
Loss, or loss of use of: one or both hands, arms, legs or feet |
100 per cent |
Entire sight of both eyes |
100 per cent |
Entire sight of one eye |
66 per cent |
Hearing in both ears |
100 per cent |
Hearing in one ear |
33 per cent |
Speech |
100 per cent |
Thumb or index finger or both of either hand |
50 per cent |
Four fingers of same hand |
50 per cent |
All toes on one foot |
25 per cent |
Need advice? Our expert insurance advisors are here to help.
Important forms
Get a quote
The annual cost per $100,000 unit of coverage is:
Member only: $27
Family: $40.50
Plus applicable sales tax.
To get a quote, simply contact OMA Insurance at info@omainsurance.com or 1-800-758-1641, or use the rate calculator.
OMA Accidental Death and Dismemberment is underwritten by Sun Life Assurance Company of Canada. Sun Life Assurance Company of Canada is the insurer of this product and is a member of the Sun Life group of companies. For inquiries, please call Sun Life’s Client Care Centre at 1-800-758-1641, Monday to Friday, 8 a.m. to 8 p.m. ET. or visit www.sunlife.ca.
For complete details regarding coverage, please see the terms and conditions of Policy 95001. If there is any conflict between this document and the wording of the policies (or the certificate), the wording of the policies will govern. A copy of the policy may be requested.
Premium rates and discounts are not guaranteed and are subject to change upon notice.
Exclusions and limitations may apply.
Important Notice: Effective February 1, 2023, Canadian Premier Life Insurance Company (“Canadian Premier”), acquired the Association and Affinity business of Sun Life Assurance Company of Canada (“Sun Life”). Any reference you see to “Sun Life” on this website or on insurance documents you may receive, should be considered referring to “Canadian Premier”.