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Humania Assurance

Disability Insurance without Medical Exam

Insurance without Medical Exam

Humania Disability Income Insurance Without Medical Exam (IWME) is for people who, for medical or other reasons, have had difficulty in obtaining disability 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 DISBILITY INCOME INCOME insurance without medical exam provides periodic payments (like periodic income payments) to the person insured when he or she is unable to work because of illness or injury.

Amount of Coverage

Minimum $400;  Maximum $2,500 per month

Waiting period - 90 days

Benefit period -  24 months

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 is not guaranteed, and the Insurer may revise the premium at any time, based on the morbidity experience for insureds who have contracts with similar characteristics

Covered Disabilities

Any total disability resulting from an accident or sickness.

If you are working: you must be unable to perform each and every important duty of your occupation. You must not hold other employment and you must be under the continuous and appropriate treatment and care of a physician. If you are unemployed: you must be unable to perform at least one of these activities of daily living by yourself: eating, dressing, transferring, bathing, toileting or be continent. You must also be under the continuous and appropriate treatment and care of a physician.

Retroactive Benefit  - 6 months

If the person insured receives total disability benefits for six (6) consecutive months, the insurer will pay a lump sum benefit equal to the total disability benefits that would have been paid during the waiting period as though the waiting period did not apply.

Waiver of Premium - 3 months

After three (3) months of continuous disability, the insurer will waive the subsequent premiums for as long as the person insured is eligible to receive total disability benefits.

Coordination - 100%

Disability benefits can be coordinated when you have multiple disability insurance contracts with either the insurer or other insurers. When disability benefits payable under the policy become coordinate, the monthly benefit payable is reduced so that the amount of disability benefits payable under this policy and any other insurance does not exceed 100% the average monthly income earned by the person insured.

Integration - $1,200 non-integrated

The first one thousand two hundred dollars ($1,200) of monthly benefit payable under all coverages of Humania Assurance - Insurance Without Medical Exam accident and sickness disability insurance taken together is neither integrated with government plans nor coordinated with other disability insurance protection the person insured may have.

All monthly disability benefit over one thousand two hundred dollars ($1,200) becomes fully integrated and coordinated. Disability benefits are then determined base on the person insured's average monthly earned income, up to the insured maximum indicated in the schedule of benefits.

Beneficiary - The person insured

Pre-existing medical conditions

No benefit for total disability is payable if the total disability results from a pre-existing condition and the person insured becomes totally disabled during the 12 or 24 months (varies depending on the policy purchased)  following the effective date of this coverage. In such instances, 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

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Revised: August 02, 2022