Skip to main content

Critical Illness Insurance

Having a critical illness can be costly. Image

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.

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

OMA Priority Insurance Program

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

Atlantic Benefits Program

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

Individual life and living benefits

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 OMA Insurance at, 1-800-758-1641, 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.

OMA Critical Illness 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

This is intended for general guidance and is not a contract. If any discrepancies exist between this information and the issued policy or certificate, the latter shall prevail. The complete terms, conditions, limitations and exclusions governing the OMA Group Critical Illness Insurance coverage are found in the relevant group CI insurance policy 17862 issued to the OMA by Sun Life Assurance Company of Canada.

Sun Life will not pay for any illness, disorder or surgery not specifically defined under the policy/coverage. For OPIP and Group CI, the complete terms, conditions, exclusions and limitations governing the insurance coverage are found in the group insurance policy issued to the Ontario Medical Association by Sun Life Assurance Company of Canada.

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”.