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Accidental Death and Dismemberment Insurance

Accidents are unpredictable. Your future doesn’t have to be. Image

Accidents are unpredictable. Your future doesn’t have to be.

OMA Accidental Death and Dismemberment Insurance is an affordable complement to your existing insurance plans.

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

Frequently asked questions

When you select Family Coverage, your family will become insured as follows:

  • If you do not have dependent children, your spouse will be insured for 50 per cent of the benefit you have selected for yourself
  • If you and your spouse have dependent children, your spouse will be insured for 40 per cent of your benefit and each dependent child, regardless of the number, will be insured for 10 per cent of your benefit, to a maximum of $100,000 per child
  • If you do not have a spouse, each dependent child will be insured for 20 per cent of your benefit, up to a maximum of $100,000 per child

If both you and your spouse have coverage as association members, the insurance for each child is increased to 20 per cent of the insured amount of the person who elects Family Coverage (to a maximum of $100,000). Only one member may apply for Family Coverage — either you or your spouse, but not both. You may be covered as an insured member or a spouse, but not as both.

If you qualify, you may select this coverage in conjunction with the regular plan for an additional annual premium of $180 per $100,000 unit.

Common disaster: If both you and your spouse die in the same accident, your spouse’s coverage will be increased to match that of your coverage, to a maximum of $500,000.

Repatriation: Pays up to $15,000 when death occurs outside the country of residence for the return of remains (as long as you reside in Canada or United States).

Education: Pays $5,000 a year for a maximum of four years to each insured dependent child who, at the time of your accidental death, was enrolled as a full-time student in an institution of higher learning beyond the 12th grade level; or, if at the 12th grade level and subsequently enrols as a full-time student in an institution of higher learning within 365 days of the date of your accidental death.

Spousal training: If you’re a resident in Canada or the United States and die in an accident, your spouse can take advantage of a formal occupational training program to become qualified for active employment where your spouse would not otherwise be qualified. This benefit is available within five years of the accident and up to $15,000 in total is available for expense payments.

This insurance does not apply:

  • In the case of suicide or attempted suicide or intentional self-injury, sustained while the person is sane or insane
  • When the loss is caused or contributed by an act of declared or undeclared war in Canada or the United States
  • While in active service in the armed forces of any country at war whether or not war is declared
  • While flying as a pilot or crew member of any aircraft or for any purpose except transportation unless pilot or crew-member coverage has been granted and paid for

There are three steps in the application process.

  1. Get your application online or by calling us. Once completed, simply return the completed form to omainfo@sunlife.com.
  2. The insurer, Sun Life, will receive and review your application and may contact you to discuss any details.
  3. It usually takes four to six weeks for the insurer, Sun Life, to process all the information. Once completed, your certificate will be sent to you.
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Need advice? Our expert insurance advisors are here to help.

Important forms

Pre-Authorized Debit (PAD) form Pre-Authorized Debit (PAD) form

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”. 

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