Critical Illness Insurance
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AMA Critical Illness Insurance is here for you.
You or your spouse may apply for $50,000 to $1,000,000 in coverage, in $10,000 units. Please note: Evidence of insurability is required for all coverage amounts for which you apply.
How you spend your lump-sum benefit payment is entirely up to you. Use it to meet expenses not covered by your government health care plan or other existing insurance plan, to buy specialized equipment, to make home modifications, or even to allow a loved one to take time off work to care for you.
These include:
- Aortic surgery
- Aplastic anemia
- Bacterial meningitis
- Benign brain tumour
- Blindness
- Cancer (life threatening)
- Coma
- Coronary artery bypass surgery
- Deafness
- Dementia, including Alzheimer's disease
- Heart Attack
- Heart valve replacement or repair
- Kidney failure
- Loss of independent existense
- Loss of limbs
- Loss of speech
- Major organ failure (on waiting list)
- Major organ transplant
- Motor neuron disease
- Multiple sclerosis
- Occupational HIV infection
- Paralysis
- Parkinson's diasease and specified atypical Parkinsonian disorders
- Severe burns
- Stroke
Two additional riders are available to you.
1. Waiver or Premium: If you become totally disabled before age 65 and the disability lasts for at least six consecutive months, you’ll no longer have to pay premiums for your coverage.
2. Child Critical Illness:* Coverage is available from a minimum of $5,000 to a maximum of $20,000, in units of $5,000. The coverage amount applies to each child regardless of how many children you have. One premium covers (all) your eligible child(ren) for the same 25 critical conditions as the member/spouse plan, plus an additional six illnesses:
- Cerebral palsy
- Congenital heart disease
- Cystic fibrosis
- Down syndrome
- Muscular dystrophy
- Type 1 diabetes
Here's how to apply:
By mail:
ADIUM Insurance Services Inc.
Alberta Medical Association
12230 106 Avenue NW
Edmonton AB T5N 3Z1
By fax:
780.488.7558
or toll-free 1.877.302.3486*
By email:
adium@albertadoctors.org*