{"id":15223,"date":"2024-10-30T12:21:39","date_gmt":"2024-10-30T12:21:39","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?page_id=15223"},"modified":"2026-03-27T11:57:04","modified_gmt":"2026-03-27T15:57:04","slug":"critical-illness-insurance","status":"publish","type":"page","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/","title":{"rendered":"Critical Illness Insurance"},"content":{"rendered":"\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__HeroImageBackground  hasDarkBg\" style=\"background:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/critical-illness-insurance_hero-desktop.webp) no-repeat;--bghero-mobi-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/critical-illness-insurance_hero-mobile.webp)\">\n<div class=\"wp-block-columns cols-hero-wrapper is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-front is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"rbc-yoast-breadcrum\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span><\/p>\n\n\n\n<h1 class=\"wp-block-heading rbc-callout-heading\" id=\"h-critical-illness-insurance\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FFFFFF\" class=\"has-inline-color\">Critical illness insurance<\/mark><\/h1>\n\n\n\n<p class=\"rbc-override-margin p-large\">Critical illness insurance can give you financial security and valuable support services to help cope during a challenging time.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/request-a-call\/health-insurance\/index.html\" data-dig-id=\"LP-15223-64a52d29\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Speak to an advisor-https:\/\/silver.rbcinsurance.com\/request-a-call\/health-insurance\/index.html \">Speak to an advisor<\/a><\/div>\n\n\n\n<p class=\" call-link \">or Call <a href=\"tel:+18662627924\" data-dig-id=\"LP-15223-ab68876a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-800-461-1413\" class=\"rbc-link-format\">1-866-262-7924<\/a><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center informationCardContainer__v2__heading mar-t-dbl mob-mar-t-dbl\" id=\"h-help-protect-your-lifestyle-and-recover-from-a-serious-illness\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#1F1F1F\" class=\"has-inline-color\">Help protect your lifestyle and recover from a serious illness <\/mark><\/h2>\n\n\n\n<p class=\"has-text-align-center\">Focus on your health and recovery if you\u2019re diagnosed with a critical illness. We offer several options for financial support to help manage challenging or unexpected costs. Explore other options to get expert medical opinions or assistance dealing with the stresses of a critical illness.<\/p>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout3\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-critical-illness-insurance\"><span class=\"partial__border-bottom\">Benefits of critical illness insurance<\/span><\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-col is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/10\/savings-account.svg);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-lump-sum-benefit\">Lump-sum benefit<\/h4>\n<\/div>\n\n\n\n<p class=\"mar-t mob-mar-t\">Use your benefit to maintain financial stability, access cutting-edge medical services or to aid your recovery in some other way.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/medical.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-expert-medical-opinion\">Expert medical opinion<\/h4>\n<\/div>\n\n\n\n<p class=\"mar-t-hlf mob-mar-t-hlf\">Get a world-renowned specialist from <a href=\"https:\/\/www.teladoc.ca\/medical-experts\/\" target=\"_blank\" data-dig-id=\"LP-15223-67c91cb4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Teladoc Medical Experts\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Teladoc Medical Experts<\/a><sup><a href=\"#legal-1\" data-dig-id=\"LP-15223-c630c65c\" data-dig-label=\"+\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">+<\/a><\/sup> to review your medical records to confirm your diagnosis, no matter where you live.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/10\/shield-heart.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-the-healing-journey-program\">&#8220;The Healing Journey&#8221; program<\/h4>\n<\/div>\n\n\n\n<p class=\"mar-t-hlf mob-mar-t-hlf\">Get help dealing with fear and anxiety and learn how to address the needs of the mind, body and spirit.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout1\">\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-703bee88 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-types-of-critical-illness-insurance\"><span class=\"partial__border-bottom\">Types of critical illness insurance<\/span><\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-comparison-card comparisonCard showEnergyLines enableFullWidth is-style-default default\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<h5 class=\"wp-block-heading\" id=\"h-critical-illness-insurance-0\">Critical illness insurance<\/h5>\n\n\n\n<p class=\"cardTag\">Most popular<\/p>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-critical-illness-recovery-plan\">Critical Illness Recovery Plan\u2122<\/h4>\n\n\n\n<p>Protect yourself financially against over 30 illnesses and conditions. For substantial financial protection against over 30 serious illnesses and conditions<sup><a href=\"#legal-1\" data-dig-id=\"LP-15223-bbb9e386\" data-dig-label=\"1\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1<\/a><\/sup>, choose our comprehensive Critical Illness Recovery Plan\u2122.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Ideal if you<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Need a substantial coverage amount<\/p>\n\n\n\n<p>Want coverage for a wide range of illnesses and conditions<\/p>\n\n\n\n<p>Are age 18-65<\/p>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide w-100\"\/>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Lump-Sum Benefit: $25,000 to $2 million<\/p>\n\n\n\n<p>Comprehensive: Coverage for over 30 serious illnesses and conditions<sup><a href=\"#legal-1\" data-dig-id=\"LP-15223-a6f0e872\" data-dig-label=\"1\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1<\/a><\/sup><\/p>\n\n\n\n<p>Long-Term Care Conversion Benefit: From age 55 to 65, you can convert all or some of your coverage to long-term care insurance without proof of insurability<\/p>\n\n\n\n<p>Convert term to permanent insurance without medical proof until age 71<\/p>\n\n\n\n<p>Assistance Services: Teladoc Health, &#8220;The Healing Journey&#8221; program and early assistance benefit<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion mob-pad-l pad-l mar-t-qtr mob-mar-t-qtr\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlesvfsw3rd\" class=\"collapse-toggle collapsed\" data-target=\"#accordionsvfsw3rd\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-svfsw3rd\" aria-controls=\"accordionsvfsw3rd\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"About assistance services\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>About assistance services<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionsvfsw3rd\" role=\"region\" aria-labelledby=\"accordion-titlesvfsw3rd\"><div class=\"collapse-inner\">\n<p>This plan includes a unique combination of assistance services that can help you and your family better cope with the emotional stress and challenges of a critical illness:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Teladoc Medical Experts<\/strong><sup><a href=\"#legal-1\" data-dig-id=\"LP-15223-d2334f93\" data-dig-label=\"+\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">+<\/a><\/sup>. Offers access to health care resources, specialists and world renowned experts who will review your medical records to confirm your diagnosis.<\/li>\n\n\n\n<li><strong>&#8220;The Healing Journey&#8221; Program:<\/strong>&nbsp;Receive support to help deal with the stress associated with a critical illness.<\/li>\n\n\n\n<li><strong>Early Assistance Benefit:<\/strong>&nbsp;Without reducing your critical illness benefit for future claims, you can receive 10% of your benefit (to a maximum of $50,000 and payable only once) if you are diagnosed with and satisfy the survival period for early prostate, breast or skin cancer or coronary angioplasty.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Who can apply?<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Canadian citizens<\/p>\n\n\n\n<p>Permanent residents\/landed immigrants who have been in Canada over 12 months<\/p>\n\n\n\n<p>Have not been diagnosed with or treated for certain <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/ineligible-medical-conditions\/\" target=\"_blank\" data-dig-id=\"LP-15223-c82b9262\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"medical conditions\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">medical conditions<\/a><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion pad-l mob-pad-l mar-t-qtr mob-mar-t-qtr\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title6uzvnr18\" class=\"collapse-toggle collapsed\" data-target=\"#accordion6uzvnr18\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-6uzvnr18\" aria-controls=\"accordion6uzvnr18\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Covered conditions\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Covered conditions<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion6uzvnr18\" role=\"region\" aria-labelledby=\"accordion-title6uzvnr18\"><div class=\"collapse-inner\">\n<p>Provides a lump-sum benefit if you are diagnosed with any of the following critical illnesses or conditions and satisfy the survival period, as defined in the policy:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Aortic Surgery<\/li>\n\n\n\n<li>Aplastic Anemia<\/li>\n\n\n\n<li>Bacterial Meningitis<\/li>\n\n\n\n<li>Benign Brain Tumour<\/li>\n\n\n\n<li>Blindness<\/li>\n\n\n\n<li>Cancer (Life Threatening)<\/li>\n\n\n\n<li>Coma<\/li>\n\n\n\n<li>Coronary Angioplasty<\/li>\n\n\n\n<li>Coronary Artery Bypass Surgery<\/li>\n\n\n\n<li>Deafness<\/li>\n\n\n\n<li>Dementia including Alzheimer\u2019s Disease<\/li>\n\n\n\n<li>Early Breast Cancer<\/li>\n\n\n\n<li>Early Prostate Cancer<\/li>\n\n\n\n<li>Early Skin Cancer<\/li>\n\n\n\n<li>Early Stage Blood Cancer<\/li>\n\n\n\n<li>Early Stage Intestinal Cancer<\/li>\n\n\n\n<li>Early Thyroid Cancer<\/li>\n\n\n\n<li>Heart Attack<\/li>\n\n\n\n<li>Heart Valve Replacement or Repair<\/li>\n\n\n\n<li>Kidney Failure<\/li>\n\n\n\n<li>Loss of Independent Existence<\/li>\n\n\n\n<li>Loss of Limbs<\/li>\n\n\n\n<li>Loss of Speech<\/li>\n\n\n\n<li>Major Organ Failure on Waiting List<\/li>\n\n\n\n<li>Major Organ Transplant<\/li>\n\n\n\n<li>Motor Neuron Disease<\/li>\n\n\n\n<li>Multiple Sclerosis<\/li>\n\n\n\n<li>Occupational HIV Infection<\/li>\n\n\n\n<li>Paralysis<\/li>\n\n\n\n<li>Parkinson\u2019s Disease and Specified Atypical Parkinsonian Disorders<\/li>\n\n\n\n<li>Severe Burns<\/li>\n\n\n\n<li>Stroke<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlew7qi1it4\" class=\"collapse-toggle collapsed\" data-target=\"#accordionw7qi1it4\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-w7qi1it4\" aria-controls=\"accordionw7qi1it4\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Optional coverage\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Optional coverage<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionw7qi1it4\" role=\"region\" aria-labelledby=\"accordion-titlew7qi1it4\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Scheduled Increase Benefit:<\/strong>&nbsp;On every second policy anniversary, your benefit amount increases by 20% of the original amount, for 10 years.<\/li>\n\n\n\n<li><strong>Disability Waiver of Premium Benefit:<\/strong>&nbsp;After you have been disabled (as defined by the policy) for 90 consecutive days, RBC Insurance will pay the premiums that come due while you are disabled. We also refund the premiums paid during those first 90 days.<\/li>\n\n\n\n<li><strong>Return of Premium on Death:<\/strong>&nbsp;If you die while the policy is in force, we will refund all of the premiums you have paid.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlehdj03zce\" class=\"collapse-toggle collapsed\" data-target=\"#accordionhdj03zce\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-hdj03zce\" aria-controls=\"accordionhdj03zce\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Survival period\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Survival period<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionhdj03zce\" role=\"region\" aria-labelledby=\"accordion-titlehdj03zce\"><div class=\"collapse-inner\">\n<p>This is the number of days you must survive, following the diagnosis of a covered critical illness, before a benefit is payable. The minimum survival period for most covered conditions is 30 days, although some covered conditions require a longer period before benefits are payable.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleefsyvqff\" class=\"collapse-toggle collapsed\" data-target=\"#accordionefsyvqff\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-efsyvqff\" aria-controls=\"accordionefsyvqff\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"90-day waiting period for cancer\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>90-day waiting period for cancer<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionefsyvqff\" role=\"region\" aria-labelledby=\"accordion-titleefsyvqff\"><div class=\"collapse-inner\">\n<p>Once the policy is in effect (or reinstated) there is no coverage if you are diagnosed with cancer during the first 90 days. A diagnosis of cancer must be made 91 days or more after the effective date to be covered under the policy.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title7dgjc9nf\" class=\"collapse-toggle collapsed\" data-target=\"#accordion7dgjc9nf\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-7dgjc9nf\" aria-controls=\"accordion7dgjc9nf\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Summary of exclusions\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Summary of exclusions<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion7dgjc9nf\" role=\"region\" aria-labelledby=\"accordion-title7dgjc9nf\"><div class=\"collapse-inner\">\n<p>No benefit will be paid (including any riders), nor will premiums be refunded for any critical illness, death or other loss that results directly or indirectly, from any of the following:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Self-inflicted injury, attempted suicide or suicide<\/li>\n\n\n\n<li>Intentional use of any drug, intoxicant, narcotic or poisonous substance<sup><a href=\"#legal-4\" data-dig-id=\"LP-15223-6c51f0ca\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"4\" class=\"rbc-link-format\">4<\/a><\/sup><\/li>\n\n\n\n<li>Participation in war (whether such war is declared or undeclared) or hostile action of the armed forces of any country, insurrection or civil commotion<\/li>\n\n\n\n<li>Attempt to commit or commission a crime, whether charged or not<\/li>\n\n\n\n<li>Operation of any land, water or air conveyance which is moved or operated by any means other than muscular power, while the insured&#8217;s concentration of alcohol in 100 millilitres of blood exceeds 80 milligrams or while the insured is under the influence of any drug, intoxicant, narcotic or poisonous substance<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>About your premiums<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Level premiums to age 75 (non-cancellable): Plan benefits or premiums can\u2019t be changed from those stated in the policy.<\/p>\n\n\n\n<p>Level premiums to age 65 or 75 (guaranteed renewable): Plan benefits can\u2019t be changed, but premiums may be subject to change.<\/p>\n\n\n\n<p>10-year term renewable to age 75: Premiums are scheduled to change every 10 years.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion mar-t-qtr mob-mar-t-qtr pad-l mob-pad-l\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title9kx64u3o\" class=\"collapse-toggle collapsed\" data-target=\"#accordion9kx64u3o\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-9kx64u3o\" aria-controls=\"accordion9kx64u3o\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Non-cancellable vs. guaranteed renewable\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Non-cancellable vs. guaranteed renewable<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion9kx64u3o\" role=\"region\" aria-labelledby=\"accordion-title9kx64u3o\"><div class=\"collapse-inner\">\n<p>A non-cancellable plan means that as long as your premiums are paid, we cannot change the provisions or premiums, or cancel the policy.<\/p>\n\n\n\n<p>A guaranteed renewable plan means that as long as your premiums are paid, we cannot cancel the policy. At our discretion, we may change future renewal premiums. However, we cannot change the premium unless we do so for an entire group of policyholders sharing similar characteristics.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard hideCheckMark\"><div class=\"highlightsCard__heading\"><h5>Policy Documents:<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>The information above is intended as a summary only<\/p>\n\n\n\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Critical-Illness-Recovery-Plan-Product-Summary.pdf\" target=\"_blank\" data-dig-id=\"LP-15223-ec383904\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Download Critical Illness Recovery Plan product overview\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Download Critical Illness Recovery Plan product overview<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/level-premiums-to-age-75-non-cancellable.pdf\" target=\"_blank\" data-dig-id=\"LP-15223-a7c19d15\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Level premiums to age 75 (non-cancellable) sample policy\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Level premiums to age 75 (non-cancellable) sample policy<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/level-premiums-to-age-65-guaranteed-renewable.pdf\" target=\"_blank\" data-dig-id=\"LP-15223-60971232\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Level premiums to age 65 (guaranteed renewable) sample policy\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Level premiums to age 65 (guaranteed renewable) sample policy<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/level-premiums-to-age-75-guaranteed-renewable.pdf\" target=\"_blank\" data-dig-id=\"LP-15223-339a7431\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Level premiums to age 75 (guaranteed renewable) sample policy\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Level premiums to age 75 (guaranteed renewable) sample policy<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/10-year-term-renewable-to-age-75-non-cancellable.pdf\" target=\"_blank\" data-dig-id=\"LP-15223-5a8c70dd\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"10-year term renewable to age 75 sample policy\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">10-year term renewable to age 75 sample policy<\/a><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/request-a-call\/health-insurance\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-15223-3d2d9b41\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/silver.rbcinsurance.com\/request-a-call\/health-insurance\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-card comparisonCard  enableFullWidth is-style-default default\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-nowrap is-layout-flex wp-container-core-group-is-layout-2487dcaa wp-block-group-is-layout-flex\">\n<h5 class=\"wp-block-heading\" id=\"h-critical-illness-insurance-1\">Critical illness insurance<\/h5>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-critical-illness-insurance-plan\">Critical Illness Insurance Plan<\/h4>\n\n\n\n<p>Protect yourself financially against the most common illnesses. Together, cancer, heart attack and stroke make up 89% of all critical illness claims.<sup><a href=\"#legal-5\" data-dig-id=\"LP-15223-a2a904d6\" data-dig-label=\"5\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">5<\/a><\/sup> For financial protection against these common illnesses<sup><a href=\"#legal-2\" data-dig-id=\"LP-15223-c9e4e9e4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"2\" class=\"rbc-link-format\">2<\/a><\/sup>, choose our most affordable coverage.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Ideal if you<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Need budget-friendly coverage<\/p>\n\n\n\n<p>Want coverage for the most common illnesses only<\/p>\n\n\n\n<p>Are age 18-50<\/p>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide w-100\"\/>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Lump-Sum Benefit: $10,000, $25,000, $50,000 or $75,000<\/p>\n\n\n\n<p>Affordable Coverage: For the three most common critical illnesses<sup><a href=\"#legal-1\" data-dig-id=\"LP-15223-a6f0e872\" data-dig-label=\"1\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1<\/a><\/sup> \u2014cancer<sup><a href=\"#legal-6\" data-dig-id=\"LP-15223-b43b60b5\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"6\" class=\"rbc-link-format\">6<\/a><\/sup>, heart attack and stroke<\/p>\n\n\n\n<p>Optional Benefit: The Return of Premium on Death Benefit refunds all premiums paid if you pass away while the policy is in force<\/p>\n\n\n\n<p>Assistance Services: Teladoc Medical Experts<sup><a href=\"#legal-1\" data-dig-id=\"LP-15223-0ff79c12\" data-dig-label=\"+\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">+<\/a><\/sup>, Medical Confidence\u2122 service<sup><a href=\"#legal-7\" data-dig-id=\"LP-15223-21245359\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"7\" class=\"rbc-link-format\">7<\/a><\/sup>, \u201cThe Healing Journey\u201d program and early assistance benefit<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion pad-l mob-pad-l mar-t-qtr mob-mar-t-qtr\" id=\"accordionSet3\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlejuxfqfla\" class=\"collapse-toggle collapsed\" data-target=\"#accordionjuxfqfla\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-juxfqfla\" aria-controls=\"accordionjuxfqfla\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"About assistance services\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>About assistance services<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionjuxfqfla\" role=\"region\" aria-labelledby=\"accordion-titlejuxfqfla\"><div class=\"collapse-inner\">\n<p>This plan includes a unique combination of assistance services that can help you and your family better cope with the emotional stress and challenges of a critical illness:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Teladoc Medical Experts<\/strong><sup><a href=\"#legal-1\" data-dig-id=\"LP-15223-d2334f93\" data-dig-label=\"+\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">+<\/a><\/sup> <strong>Service<\/strong>. Offers access to health care resources, specialists and world renowned experts who will review your medical records to confirm your diagnosis.<\/li>\n\n\n\n<li><strong>Medical Confidence\u2122 Service:<\/strong>&nbsp;Receive faster access to care and treatment by appropriate physician specialists, a more accurate diagnosis, one-on-one support from a Registered Nurse and more.<\/li>\n\n\n\n<li><strong>&#8220;The Healing Journey&#8221; Program:<\/strong>&nbsp;Receive support to help deal with the stress associated with a critical illness.<\/li>\n\n\n\n<li><strong>Early Assistance Benefit:<\/strong>&nbsp;Without reducing your benefit for future claims, you can receive 10% of your benefit (to a maximum of $50,000 and payable only once) if you are diagnosed with and satisfy the survival period for Early Prostate Cancer, Early Breast Cancer, Early Skin Cancer, Early Stage Blood Cancer, Early Stage Intestinal Cancer, Early Thyroid Cancer, or Coronary Angioplasty.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Who can apply?<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Canadian citizens<\/p>\n\n\n\n<p>Permanent residents\/landed immigrants who have been in Canada over 12 months<\/p>\n\n\n\n<p>Have not been diagnosed with or treated for certain <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/ineligible-medical-conditions\/\" target=\"_blank\" data-dig-id=\"LP-15223-c82b9262\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"medical conditions\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">medical conditions<\/a><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion pad-l mob-pad-l mar-t-0 mob-mar-t-0 mar-b-0 mob-mar-b-0\" id=\"accordionSet4\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlepkjv1xm7\" class=\"collapse-toggle collapsed\" data-target=\"#accordionpkjv1xm7\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-pkjv1xm7\" aria-controls=\"accordionpkjv1xm7\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Covered conditions\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Covered conditions<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionpkjv1xm7\" role=\"region\" aria-labelledby=\"accordion-titlepkjv1xm7\"><div class=\"collapse-inner\">\n<p>Provides a lump-sum benefit if you are diagnosed with any of the following covered critical illnesses or conditions and satisfy the survival period, as defined in the policy:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Cancer<sup><a href=\"#legal-6\" data-dig-id=\"LP-15223-7e2d9bd4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"6\" class=\"rbc-link-format\">6<\/a><\/sup> <\/li>\n\n\n\n<li>Heart attack<\/li>\n\n\n\n<li>Stroke<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlevb29oafv\" class=\"collapse-toggle collapsed\" data-target=\"#accordionvb29oafv\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-vb29oafv\" aria-controls=\"accordionvb29oafv\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Survival period\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Survival period<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionvb29oafv\" role=\"region\" aria-labelledby=\"accordion-titlevb29oafv\"><div class=\"collapse-inner\">\n<p>This is the number of days you must survive, following the diagnosis of a covered critical illness, before a benefit is payable. The minimum survival period for all covered conditions under this plan is 30 days.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlet3tl6wr8\" class=\"collapse-toggle collapsed\" data-target=\"#accordiont3tl6wr8\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-t3tl6wr8\" aria-controls=\"accordiont3tl6wr8\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"90-day waiting period for cancer\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>90-day waiting period for cancer<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiont3tl6wr8\" role=\"region\" aria-labelledby=\"accordion-titlet3tl6wr8\"><div class=\"collapse-inner\">\n<p>Once the policy is in effect (or reinstated) there is no coverage if you are diagnosed with cancer during the first 90 days. A diagnosis of cancer must be made 91 days or more after the effective date to be covered under the policy.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleapxvcpc3\" class=\"collapse-toggle collapsed\" data-target=\"#accordionapxvcpc3\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-apxvcpc3\" aria-controls=\"accordionapxvcpc3\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Summary of exclusions\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Summary of exclusions<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionapxvcpc3\" role=\"region\" aria-labelledby=\"accordion-titleapxvcpc3\"><div class=\"collapse-inner\">\n<p>No benefit will be paid (including any riders), nor will premiums be refunded for any critical illness, death or other loss that results directly or indirectly, from any of the following:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Self-inflicted injury, attempted suicide or suicide<\/li>\n\n\n\n<li>Intentional use of any drug, intoxicant, narcotic or poisonous substance<sup><a href=\"#legal-4\" data-dig-id=\"LP-15223-6c51f0ca\" data-dig-label=\"4\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">4<\/a><\/sup><\/li>\n\n\n\n<li>Participation in war (whether such war is declared or undeclared) or hostile action of the armed forces of any country, insurrection or civil commotion<\/li>\n\n\n\n<li>Attempt to commit or commission a crime, whether charged or not<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>About your premiums<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>10-year term policy, renewable to age 65<\/p>\n\n\n\n<p>Premiums are scheduled to change every 10 years<\/p>\n\n\n\n<p>Plan benefits can&#8217;t be changed, but premiums may be subject to change (we cannot change the premium unless we do so for an entire group of policyholders sharing similar characteristics)<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard hideCheckMark\"><div class=\"highlightsCard__heading\"><h5>Policy Documents:<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>The information above is intended as a summary only<\/p>\n\n\n\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Critical-Illness-Insurance-Plan-Product-Summary.pdf\" target=\"_blank\" data-dig-id=\"LP-15223-8499cd8a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Download Critical Illness Insurance Plan product overview\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Download Critical Illness Insurance Plan product overview<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/critical-illness-insurance-plan-sample-policy.pdf\" target=\"_blank\" data-dig-id=\"LP-15223-dc11108c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Sample policy\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Sample policy<\/a><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group mar-t-dbl mob-mar-t-dbl pad-t-dbl mob-pad-t-dbl is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/request-a-call\/health-insurance\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-15223-3d2d9b41\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/silver.rbcinsurance.com\/request-a-call\/health-insurance\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout1\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-tools-to-get-the-most-out-of-your-coverage\"><span class=\"partial__border-bottom\">Tools to get the most out of your coverage<\/span><\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-critical-illness-insurance-calculator\">Critical illness insurance calculator<\/h4>\n<\/div>\n\n\n\n<p class=\"mar-t-hlf mob-mar-t-hlf\">Estimate how much critical illness insurance coverage you might need to protect yourself.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/health-insurance\/critical-illness-insurance-calculator.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-15223-126e82be\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get started-https:\/\/silver.rbcinsurance.com\/health-insurance\/critical-illness-insurance-calculator.html \">Get started<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"196\" height=\"194\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/compare-policies.png?quality=80&amp;w=196\" alt=\"Illustration of a hand holding a smart phone\" class=\"wp-image-16082\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-compare-critical-illness-insurance-plans\">Compare critical illness insurance plans<\/h4>\n<\/div>\n\n\n\n<p class=\"mar-t-hlf mob-mar-t-hlf\">There\u2019s a plan to suit your unique situation and needs\u2014let\u2019s help you find it.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/compare-critical-illness-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-15223-126e82be\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Compare plans-https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/compare-critical-illness-insurance\/ \">Compare plans<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/compare-illustration-200x200-1.svg?quality=80&amp;w=1024\" alt=\"illustration of a hand interacting with a smart phone\" class=\"wp-image-18511\" style=\"width:159px;height:auto\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image\" style=\"background-color:#F7F8FA\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-whatever-your-needs-we-can-help\">Whatever your needs, we can help.<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Protect your lifestyle with critical illness insurance\u2014talk to a licensed insurance advisor.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/request-a-call\/health-insurance\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-15223-60f2e5fe\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/silver.rbcinsurance.com\/request-a-call\/health-insurance\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Need help now? <a href=\"tel:+18662627924\" data-dig-id=\"LP-15223-c572a1da\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Call 1-800-461-1413\" class=\"rbc-link-format\">Call 1-866-262-7924<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"697\" height=\"540\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/injury-illness-CTA.webp?quality=80\" alt=\"image of a young couple laughing in front of their home while holding their young child\" class=\"wp-image-19150\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/injury-illness-CTA.webp 697w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/injury-illness-CTA.webp?resize=300,232 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/injury-illness-CTA.webp?resize=412,319 412w\" sizes=\"auto, (max-width: 697px) 100vw, 697px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-faq-wrapper faqWrapper  menuItems__dropdown\"><div class=\"faqWrapper__header\"><h2><span class=\"partial__border-bottom\">Frequently asked questions<\/span> about critical illness insurance<\/h2><\/div><div class=\"faqWrapper__content\"><div class=\"faqWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"General insurance\">\n\t\t\t\t\tGeneral insurance\t\t\t\t<\/span>\n\t\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t\t<\/button>\n\t\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tGeneral insurance\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tApplying for coverage\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"2\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tEligibility\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"3\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tCoverage details\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"4\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tPremiums\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\t\n<\/div>\n<div class=\"faqWrapper__menuItems\"><div class=\"faqWrapper__menuItem\" tabindex=\"0\">General insurance<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Applying for coverage<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Eligibility<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Coverage details<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Premiums<\/div><\/div><p class=\"faqWrapper__helpText\">Still have questions? <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/contact-us\/\" target=\"_blank\" data-dig-id=\"LP-15223-d1daecf0\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Contact us.\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Contact us.<\/a><\/p><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>General insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title3o2f6x8k\" class=\"collapse-toggle collapsed\" data-target=\"#accordion3o2f6x8k\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-3o2f6x8k\" aria-controls=\"accordion3o2f6x8k\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How does critical illness insurance work?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How does critical illness insurance work?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion3o2f6x8k\" role=\"region\" aria-labelledby=\"accordion-title3o2f6x8k\"><div class=\"collapse-inner\">\n<p>Critical illness insurance pays a lump-sum benefit that you can use any way you wish when you are diagnosed with a covered critical illness and satisfy the survival period, as defined in the policy.<\/p>\n\n\n\n<p>In addition, our critical illness insurance provides a range of additional benefits and assistance services to help you and your family find the best medical care, meet every day needs and cope with the stresses of a critical illness.<\/p>\n\n\n\n<p><\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Applying for coverage<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlew8xmsgzw\" class=\"collapse-toggle collapsed\" data-target=\"#accordionw8xmsgzw\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-w8xmsgzw\" aria-controls=\"accordionw8xmsgzw\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I apply for critical illness coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I apply for critical illness coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionw8xmsgzw\" role=\"region\" aria-labelledby=\"accordion-titlew8xmsgzw\"><div class=\"collapse-inner\">\n<p>To apply:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Call&nbsp;<a href=\"tel:+18004611413\" data-dig-id=\"LP-15223-84b8f199\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-800-461-1413\" class=\"rbc-link-format\">1-800-461-1413<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/silver.rbcinsurance.com\/request-a-call\/health-insurance\/index.html\" data-dig-id=\"LP-15223-b9633acc\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Have an advisor call you\" class=\"rbc-link-format\">Have an advisor call you<\/a><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title5y55nzno\" class=\"collapse-toggle collapsed\" data-target=\"#accordion5y55nzno\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-5y55nzno\" aria-controls=\"accordion5y55nzno\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Are medical questions or exams required to apply for critical illness insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Are medical questions or exams required to apply for critical illness insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion5y55nzno\" role=\"region\" aria-labelledby=\"accordion-title5y55nzno\"><div class=\"collapse-inner\">\n<p>Possibly, yes. Depending on your age, the plan you choose, and the coverage amount you are applying for, you may need to complete a telephone interview and medical exams, as well as provide certain medical documentation.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Eligibility<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleydi679uf\" class=\"collapse-toggle collapsed\" data-target=\"#accordionydi679uf\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-ydi679uf\" aria-controls=\"accordionydi679uf\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Who can apply for critical illness coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Who can apply for critical illness coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionydi679uf\" role=\"region\" aria-labelledby=\"accordion-titleydi679uf\"><div class=\"collapse-inner\">\n<p>You are eligible to apply if you:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Are age 18-65 (for the&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/#ci-recovery-tab\" data-dig-id=\"LP-15223-890b5ea7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Critical Illness Recovery Plan\" class=\"rbc-link-format\">Critical Illness Recovery Plan<\/a>) or age 18-50 (for the&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/#ci-insurance-tab\" data-dig-id=\"LP-15223-3708196b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Critical Illness Insurance Plan\" class=\"rbc-link-format\">Critical Illness Insurance Plan<\/a>)<\/li>\n\n\n\n<li>Are a Canadian citizen or permanent resident\/landed immigrant who has been in Canada for more than 12 months, and<\/li>\n\n\n\n<li>Have not been diagnosed with or treated for certain&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/health-insurance\/_assets-custom\/popups\/ineligible-medical-conditions.html\" data-dig-id=\"LP-15223-40334e9c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"medical conditions\" class=\"rbc-link-format\">medical conditions<\/a><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Coverage details<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlernskvymr\" class=\"collapse-toggle collapsed\" data-target=\"#accordionrnskvymr\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-rnskvymr\" aria-controls=\"accordionrnskvymr\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Which critical illnesses and conditions are covered?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Which critical illnesses and conditions are covered?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionrnskvymr\" role=\"region\" aria-labelledby=\"accordion-titlernskvymr\"><div class=\"collapse-inner\">\n<p>The plan you choose determines the critical illnesses and conditions that are covered.<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/#ci-insurance-tab\" data-dig-id=\"LP-15223-0964cea4\" data-dig-label=\"Critical Illness Insurance Plan\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Critical Illness Insurance Plan<\/a>&nbsp;provides coverage for the three most common critical illnesses<sup><a href=\"#legal-1\" data-dig-id=\"LP-15223-80b519b6\" data-dig-label=\"1\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1<\/a><\/sup>\u2014cancer<sup><a href=\"#legal-2\" data-dig-id=\"LP-15223-884150c8\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"2\" class=\"rbc-link-format\">2<\/a><\/sup>, heart attack and stroke.<\/li>\n\n\n\n<li><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/#ci-recovery-tab\" data-dig-id=\"LP-15223-79a9b01b\" data-dig-label=\"Critical Illness Recovery Plan\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Critical Illness Recovery Plan<\/a>&nbsp;provides coverage for over 30 serious illnesses and conditions<sup><a href=\"#legal-1\" data-dig-id=\"LP-15223-171c60f5\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1\" class=\"rbc-link-format\">1<\/a><\/sup>.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleq3ftln0y\" class=\"collapse-toggle collapsed\" data-target=\"#accordionq3ftln0y\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-q3ftln0y\" aria-controls=\"accordionq3ftln0y\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is the critical illness survival period?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is the critical illness survival period?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionq3ftln0y\" role=\"region\" aria-labelledby=\"accordion-titleq3ftln0y\"><div class=\"collapse-inner\">\n<p>The survival period is the number of days you must survive, following the diagnosis of a covered critical illness, before a benefit is payable. The minimum survival period for most covered conditions is 30 days, although some covered conditions require a longer period before benefits are payable. For complete details, please see a sample policy.<\/p>\n\n\n\n<p>There can be a difference in the number of days that need to pass before a person is considered to be \u201ccritically ill\u201d according to the definition in the policy. For example, in the case of coma, you must have been in a state of uninterrupted unconsciousness for at least 96 hours in order to meet the policy definition, and must then wait for the 30-day survival period to pass before being able to qualify for benefits.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titles8yfzd0k\" class=\"collapse-toggle collapsed\" data-target=\"#accordions8yfzd0k\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-s8yfzd0k\" aria-controls=\"accordions8yfzd0k\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Does time on life support count toward the critical illness survival period?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Does time on life support count toward the critical illness survival period?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordions8yfzd0k\" role=\"region\" aria-labelledby=\"accordion-titles8yfzd0k\"><div class=\"collapse-inner\">\n<p>No, as you are not considered to be alive (as defined in the policy) while receiving nutritional, respiratory and\/or cardiovascular life support.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlez7r5q9cn\" class=\"collapse-toggle collapsed\" data-target=\"#accordionz7r5q9cn\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-z7r5q9cn\" aria-controls=\"accordionz7r5q9cn\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What happens if I die within the critical illness survival period?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What happens if I die within the critical illness survival period?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionz7r5q9cn\" role=\"region\" aria-labelledby=\"accordion-titlez7r5q9cn\"><div class=\"collapse-inner\">\n<p>For benefits to be payable, you must have the Return of Premium on Death rider. If you have this rider and die during the survival period or from a condition or event not defined in the policy as a critical illness, we will pay a Return of Premium on Death benefit to you or your estate as long as the coverage is in force and there is no critical illness benefit payable or pending. The benefit is equal to the sum of all premiums paid for the policy. If death is a result of any of the exclusions listed in the policy, no benefit is payable.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title41gy0f6m\" class=\"collapse-toggle collapsed\" data-target=\"#accordion41gy0f6m\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-41gy0f6m\" aria-controls=\"accordion41gy0f6m\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is the 90-day waiting period for cancer?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is the 90-day waiting period for cancer?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion41gy0f6m\" role=\"region\" aria-labelledby=\"accordion-title41gy0f6m\"><div class=\"collapse-inner\">\n<p>The 90-day waiting period for cancer means that once the policy is in effect (or reinstated) there is no coverage if you are diagnosed with cancer during the first 90 days. A diagnosis of cancer must be made 91 days or more after the effective date to be covered under the policy.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title83n1mmys\" class=\"collapse-toggle collapsed\" data-target=\"#accordion83n1mmys\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-83n1mmys\" aria-controls=\"accordion83n1mmys\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"If I'm diagnosed with cancer during the 90-day waiting period, would critical illness coverage remain in force?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>If I&#8217;m diagnosed with cancer during the 90-day waiting period, would critical illness coverage remain in force?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion83n1mmys\" role=\"region\" aria-labelledby=\"accordion-title83n1mmys\"><div class=\"collapse-inner\">\n<p>If you are diagnosed with cancer during the first 90 days after the effective date or reinstatement date of coverage, the policy will have a permanent exclusion for any future cancer claims but your policy can remain in force.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlegagkxl9s\" class=\"collapse-toggle collapsed\" data-target=\"#accordiongagkxl9s\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-gagkxl9s\" aria-controls=\"accordiongagkxl9s\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What if I move from Canada or suffer a critical illness outside of Canada?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What if I move from Canada or suffer a critical illness outside of Canada?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiongagkxl9s\" role=\"region\" aria-labelledby=\"accordion-titlegagkxl9s\"><div class=\"collapse-inner\">\n<p>If you move from Canada, your coverage is portable, provided you were a resident of Canada at the time we issued your policy.<\/p>\n\n\n\n<p>If you develop a critical illness while you are living outside Canada, please call us at&nbsp;<a href=\"tel:+18004611413\" data-dig-id=\"LP-15223-1a6c96ae\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-800-461-1413\" class=\"rbc-link-format\">1-800-461-1413<\/a> (Monday to Friday, 8am-6pm, ET) for details regarding the conditions under which a benefit would be payable. When reviewing your claim, we will determine whether the diagnosis and treatment were within Canadian standards.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlem1jimr58\" class=\"collapse-toggle collapsed\" data-target=\"#accordionm1jimr58\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-m1jimr58\" aria-controls=\"accordionm1jimr58\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Does my critical illness benefit get smaller if I take the Early Assistance benefit?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Does my critical illness benefit get smaller if I take the Early Assistance benefit?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionm1jimr58\" role=\"region\" aria-labelledby=\"accordion-titlem1jimr58\"><div class=\"collapse-inner\">\n<p>Our policies include an Early Assistance benefit that is equal to 10% of the critical illness benefit you purchased, to a maximum of $50,000. Payments made under the Early Assistance benefit have no effect on your critical illness benefit. Your policy will continue in force for any future claim you may make, provided that you continue to pay premiums in accordance with the terms of your policy.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Premiums<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title4gd9amla\" class=\"collapse-toggle collapsed\" data-target=\"#accordion4gd9amla\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15223-4gd9amla\" aria-controls=\"accordion4gd9amla\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How long will I pay critical illness insurance premiums and can they increase?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How long will I pay critical illness insurance premiums and can they increase?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion4gd9amla\" role=\"region\" aria-labelledby=\"accordion-title4gd9amla\"><div class=\"collapse-inner\">\n<p>You will pay premiums until you reach age 65 or 75, depending on the policy you purchase. It is possible premiums could increase, depending on the type of policy you purchase.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<p class=\"faqWrapper__helpText\">Still have questions? <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/contact-us\/\" target=\"_blank\" data-dig-id=\"LP-15223-d1daecf0\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Contact us.\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Contact us.<\/a><\/p><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-15223-e0db3377\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View Legal Disclaimers<\/span><span>Hide Legal Disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">Benefit is paid when you are diagnosed with a covered critical illness, as defined in the policy, and satisfy the survival period, as defined in the policy.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-2\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>2<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">Cancer is defined as a definite diagnosis of a tumour, which must be characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. Types of Cancer include carcinoma, melanoma, leukemia, lymphoma, and sarcoma. The diagnosis of Cancer must be made by a specialist. The following forms of cancer are excluded: Lesions described as benign, pre-malignant, uncertain, borderline, non-invasive, carcinoma in-situ (Tis) or tumours classified as Ta; Malignant melanoma skin cancer that is less than or equal to 1.0 mm in thickness, unless it is ulcerated or is accompanied by lymph node or distant metastasis; Any non-melanoma skin cancer, without lymph node or distant metastasis; Prostate cancer classified as T1a or T1b, without lymph node or distant metastasis; Papillary thyroid cancer or follicular thyroid cancer, or both, that is less than or equal to 2.0 cm in greatest diameter and classified as T1, without lymph node or distant metastasis; Chronic lymphocytic leukemia classified less than Rai stage 1; or Malignant gastrointestinal stromal tumours (GIST) and malignant carcinoid tumours, classified less than AJCC Stage 2.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-3\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>3<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">This information is intended as a summary only. Your policy will contain complete details on terms and conditions, including benefits and exclusions.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-4\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>4<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">Except as prescribed by a physician or as directed by the manufacturer in the case of non-prescribed medication.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-5\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>5<\/sup><\/div><div class=\"table-cell\">\n<p class=\"is-style-default default has-text-sm-font-size\">Munich Reinsurance Company, 2006 Critical Illness Survey.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-6\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>6<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">Cancer is defined as the definite diagnosis of a tumour characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. The diagnosis of Cancer must be made by a specialist. Exclusion: No critical illness benefit will be payable under Cancer for: carcinoma in situ; Stage 1A malignant melanoma (melanoma less than or equal to one millimetre (1.0 mm) in thickness, not ulcerated and without Clark level IV or level V invasion); any non-melanoma skin cancer that has not metastasized; or Stage A (T1a or T1b) prostate cancer.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-7\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>7<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">Certain conditions apply<\/p>\n\n\n\n<p class=\"mar-t-hlf mob-mar-t-hlf has-text-sm-font-size\">+ Teladoc Medical Experts and other trademarks shown are trademarks of Teladoc Health Inc. Used under license.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Help protect your lifestyle and recover from a serious illness Focus on your health and recovery if you\u2019re diagnosed with a critical illness. We offer several options for financial support to help manage challenging or unexpected costs. Explore other options to get expert medical opinions or assistance dealing with the stresses of a critical illness.<\/p>\n","protected":false},"author":179,"featured_media":0,"parent":15214,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-15223","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Critical Illness Insurance | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Explore our critical illness insurance plans and get coverage to help protect your lifestyle and recover from a serious illness or condition.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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