Skip to main content

Critical Illness Insurance

A caregiver holds the hand of an elderly woman in a wheelchair

Having a critical illness can be costly.

Critical Illness Insurance offers financial protection while you are unable to work due to a major illness.

Financial stability for you and your family.

A critical illness can affect anyone. It can cause a tremendous emotional and financial strain on individuals and families. That’s why OMA offers Critical Illness coverage — it’s protection for you and your family when you need it most.

The benefits of OMA Critical Illness Insurance

Tax-free lump sum benefits

A tax-free lump sum payment of up to $250,000 will be paid out after 30 days of surviving a diagnosis of one of 25 covered illnesses.

Freedom and flexibility

Use funds as you see fit for out-of-country treatment, travel and expenses, experimental treatment, medical equipment and home modification, private nursing or personal support worker, spouse’s1 reduced or lost income, mortgage or other debts or any other purpose.

Eligible conditions

  • Aortic surgery
  • Aplastic anemia
  • Bacterial meningitis
  • Benign brain tumour
  • Blindness
  • Cancer
  • Coma
  • Coronary artery bypass surgery
  • Deafness
  • Dementia, including Alzheimer’s disease
  • Heart attack
  • Heart valve replacement or repair
  • Kidney failure
  • Loss of limbs
  • Loss of independent existence
  • Loss of speech
  • Major organ failure on waiting list
  • Major organ transplant
  • Motor neuron disease
  • Multiple sclerosis
  • Occupational HIV infection
  • Paralysis
  • Parkinson’s disease and specified atypical Parkinsonian disorders
  • Severe burns
  • Stroke

Frequently asked questions

OMA Group Critical Illness Insurance is available exclusively to members of the OMA or an Atlantic medical association/society and their spouse1 who are under the age of 652 and reside in Canada (excluding Quebec).

For Critical Illness insurance amounts issued without proof of good health, no benefit will be paid for any critical illness that occurs within 24 months of your effective date of coverage, and that resulted from any injury, sickness or medical condition (whether they were diagnosed) for which you had signs, symptoms, consulted a physician or other health-care practitioner or was provided any health-related care, advice or treatment, or that a reasonably prudent person with such injury, sickness or medical condition would have consulted a physician or any other health-care practitioner, during the 24 months prior to the effective date of your coverage.

A separate pre-existing condition limitation period will apply to each amount issued without proof of good health.

Need advice? Our expert insurance advisors are here to help.

Special offer

Bundled solutions featuring Health Insurance, Critical Illness Insurance, Legal Expense Insurance and more — all in one highly affordable package.

Learn more about OPIP

Special offer

A bundled plan for Atlantic members that consists of Health and Group Critical Illness Insurance or Health Plus and Group Critical Illness Insurance.

See the Atlantic Benefits Program

Individual insurance

Life happens, and this is why OMA Insurance offers living benefits such as Disability and Critical Illness insurance: to help you plan for the unexpected.

Learn more about individual life and living benefits

Get a quote

Coverage is easy to apply for and the premiums are competitive. Rates depend on a variety of factors such as gender, age and smoking status on the plan renewal date of Jan. 1. To learn more, including information on eligibility, renewability, limitations and exclusions, and to get a quote, simply contact us or call 1-888-596-8881, or use the rate calculator.


1 “Spouse” means a member’s spouse by marriage or under any other formal union recognized by law, who is publicly represented as the member’s spouse. Only one person at a time can be covered as the member’s spouse under this policy. Spouses are eligible to buy insurance without requiring member to be insured. If your spouse is also a physician, you may not apply for more than $250,000 as a physician or spouse on each other’s application.

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.

This plan is underwritten by The Manufacturers Life Insurance Company (Manulife)
Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.
© 2023 The Manufacturers Life Insurance Company.
All rights reserved P.O. Box 17001 Station Waterloo, Waterloo, Ontario N2J 0G5, 1-888-596-8881 OMAinsurance.com
Accessible formats and communication supports are available upon request. Visit manulife.ca/accessibility and Manulife's privacy policy for more information.