Home    Contact us    1-877-443-0101

Insurance :  Life  |  Mortgage Protection  |  Critical Illness   |  Disability   |  Health & Dental Benefits |  Group Benefits for Small Businesses

Visitors to Canada | Super Visa | Travel Insurance for Canadians | Snowbirds & Seniors | International Student | Canadian Student - Study Abroad


Humania Assurance

Critical Illness Insurance without Medical Exam

Insurance without Medical Exam

Humania Critical Illness Insurance Without Medical Exam (IWME) is designed for people who, for medical or other reasons, have had difficulty in obtaining critical illness insurance.

To purchase: no medical exam required. You have to answer six simple eligibility questions to determine your eligibility.

If you are eligible, the cost of your insurance will depend on your answers to several questions about your health, and  you may qualify for Bronze, Silver or Gold level Insurance coverage.


Check Your Eligibility and Get an Instant Quote ONLINE



The Humania CRITICAL ILLNESS insurance without medical exam pays, after the survival period, a lump sum of up to $100,000 when diagnosing one of the covered diseases (cancer, stroke, coronary surgery, heart attack). It is a benefit paid out of the living directly to the insured, a benefit that you can use and spend yourself.

Amount of Coverage

Minimum $5,000; Maximum $100,000

Age at the time of purchase

Available to persons 18 to 55 years old (inclusive)

Type of Contract

Term 10 or 20 years depending on the option chosen


Guaranteed renewable to age 65


This policy has premiums that change every 10 or 20 years, depending on the option selected by the policyowner. The premium guaranteed for the selected period. At the end of the 10 or 20-year period, depending on the option selected, the premium will be adjusted to reflect the insured's attained age, the insured's original risk class and the premium rates applicable at that date. The new premium will also be guaranteed for a further period of 10 or 20 years.

Covered Illnesses

- Stroke (cerebrovascular accident)
- Cancer
- Coronary surgery
- Heart Attack (myocardial infarction)

Survival Period - 30 days

Period during which the person insured must survive after the date on which a covered illness is diagnosed, in order for the benefit amount to be payable

Moratorium Period - 90 days

No benefit is payable for any cancer when the earliest of the following dates occurs within ninety (90) days of the effective date of this coverage:

- the date diagnosed of any cancer, whether covered or excluded;

- the date on which any early signs or symptoms for any cancer, whether covered or excluded, appear;

- the date of medical consultations and tests leading to the diagnosis of any cancer, whether covered or excluded.

Refund of Premium on Death: Included

In case of death of the person insured, if no allowance of critical illness is payable, the insurer pays a benefit equal to the sum, without interest, of premiums paid for the critical illness coverage as well as administrative expenses paid during the period of coverage.


The person insured, unless indicated otherwise in the application

Pre-existing medical conditions

No benefit for a covered critical illness is payable during the 12 or 24 months (varies depending on the policy purchased)  following the effective date of this coverage if the critical illness results from a pre-existing condition and the first signs and symptoms of the critical illness appear during the 12 or 24 months following the effective date of this coverage. In such instance, the insurer's liability shall be limited to a refund of the premiums paid and the policy will terminate with no further value.

A pre-existing condition is an injury, sickness or condition that manifests during the 12 or 24 months (varies depending on the policy purchased) prior to the effective date of the policy. For a complete definition, please refer to the sample policy.

Refund of Premium Rider (Optional)

After 20 years without claim, receive a premium refund of up to 75% of total premiums paid.

Exclusions and Restrictions

This policy has a row of exclusions and limitations. Please refer to the policy document for full details.


Get more  information, Policy document, check Your Eligibility and get a Quote ONLINE



If you have questions about this coverage or want to purchase a policy, please call at 1-877-443-0101, 416-493-0101  or,

 click here to ask your question online.


Other products from Humania Assurance

Critical Illness for Children: Get an Instant Quote

Life Insurance :  Get an Instant Quote

Site Map

Revised: August 02, 2022