Accidents are unpredictable. Your financial security doesn’t have to be.

Foresight, for the unforeseen.

Accidents are beyond your control. But one thing you can control is whether or not you have an appropriate safety net for yourself or your family. Protection is available with OMA Accidental Death and Dismemberment Insurance – a simple, affordable complement to your existing Life and Disability Insurance plans.

Should an accident result in your death or other debilitation, this benefit pays a lump sum payment in addition to any other benefit you or your family might already receive. 


Coverage that's predictably comforting.

Accidental Death & Dismemberment Insurance offers many reassuring features and options:

Your application won't be declined as long you are under the age of 70, are actively practising medicine (or are in medical training) in Canada, and are a member of the OMA or an Atlantic Association/Society.

You may select any insurance amount 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.

You can insure yourself only or yourself and your family. 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% of the benefit you have selected for yourself.
  • If you and your spouse have dependent children, your spouse will be insured for 40% of your benefit and each dependent child, regardless of the number, will be insured for 10% 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% of your benefit up to a maximum of $100,000 per child.

In the event both you and your spouse have coverage as Association Members, the insurance for each child is increased to 20% 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.

The annual cost per $100,000 unit of coverage is:

Member only: $27.00

Family: $40.50

Plus applicable Sales Tax. To get a quote, simply contact OMA Insurance at or 1.800.758.1641, or use the rate calculator.

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.

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.

You can continue your coverage regardless of where you live as long as you are a member of the OMA or an Atlantic Medical Association/Society.

In the event you become totally disabled prior to age 65 and continue to be totally disabled for 270 days, payment of premiums due for your coverage may be waived (1) provided due proof is submitted and waiver of premium is granted, (2) while you remain totally disabled, or until you attain age 70, whichever occurs first.

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 USA).

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.

If you're a resident in Canada or the USA 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.


​​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)
Paralysis (quadriplegia, paraplegia or hemiplegia) 200%​
Death 100%​
Loss, or loss of use of: One or both hands, arms, legs or feet 100%​
Entire sight of both eyes 100%​
Entire sight of one eye 66%​
Hearing in both ears 100%​
Hearing in one ear 33%​
Speech 100%​
Thumb or index finger or both of either hand 50%​
Four fingers of same hand 50%​
All toes on one foot 25%​


​In addition, up to $10,000 may also be payable for rehabilitation. Dismemberment claims are limited to one dismemberment/loss of use claim for each person insured.    


When does this insurance not apply?

  • In the case of suicide or attempted suicide or intentional self-injury, sustained while the person is sane or insane.
  • Loss 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.​


The Application Process

OMA Insurance works to streamline the application process as much as possible, reducing the complexity and time required to arrange coverage. Here are the steps required:​

Obtain your application either online or by calling us. Once completed, simply send the form back to OMA Insurance.
Received by Provider
The provider will receive and review your application, and may contact you to discuss any details.
Receive your Certificate
It usually takes 4-6 weeks for the provider to process all the information. Once completed, your certificate will be sent to you.
final approval.png


At this stage, and every sta​​ge.

No one is ready for an accident. But you can be ready to protect yourself against its financial impact, with Accidental Death & Dismemberment Insurance. Let OMA Insurance help you be properly prepared, now and at every stage of your life.       


​OMA Accidental Death and Dismemberment Insurance is underwritten by Sun Life Assurance Company of Canada, a member of the Sun Life group of companies.

This fact sheet is intended for general guidance and is not a contract. The complete terms, conditions, limitations and exclusions governing the OMA Accidental Death and Dismemberment coverage can be found on your Certificate of Insurance and in the relevant group insurance policy 95001 and issued to the OMA by Sun Life Assurance Company of Canada.

Some conditions apply.