Critical Illness Insurance

A sudden illness or injury can make it challenging to cover day-to-day expenses, but you can avoid financial strain for you and your family with this special coverage.

When a sudden illness or injury strikes, covering day-to-day expenses can be a challenge. Doctors Manitoba’s Critical Illness insurance protects you and your family from financial strain that can arise from sustaining a life-altering illness or injury. Participants receive a lump-sum cash payment up to $500,000 that may be used to reduce debt, pay for medical expenses, replace lost income, seek alternative medical advice and treatment or be used entirely at your discretion. 

Critical Illness Insurance offers coverage for 24 illnesses, for all eligible active members of Doctors Manitoba under the age of 70, their spouses and dependent children.

Enrolment is simple

Complete the Application Form and email it to Doctors Manitoba at insurance@​doctorsmanitoba.​ca or fax to 2049855844.

Your application will be forwarded to the insurance provider, SSQ Financial, for medical underwriting. SSQ Financial will be in touch with you directly for any possible underwriting requirements. 


See below for what is covered.

For any questions or to receive a customized quote, please contact Mark Venton, Insurance Coordinator at insurance@​doctorsmanitoba.​ca or call 2049855846.


Payment of a lump-sum benefit when the insured person is diagnosed with a covered critical illness and survives 14 days following the diagnosis.

Voluntary Coverage

Available for members and their spouses up to $500,000, to be medically underwritten. Dependent children are eligible for up to $20,000 with no medical questionnaire.

Non-Medical Enrolment

Within 30 days of becoming eligible under this plan (new member to Doctors Manitoba), or within 30 days of a Life Event (eg. new spouse, new child) you may enroll for coverage for you and your spouse up to $60,000 each, and $20,000 per child on a guaranteed basis, with no medical questions.

Issue Ages

The member and spouse must be under age 70 (issue age is based on age as at January 1 of each year). A dependent child must be under age 21 or under age 25 and in attendance at an institution for higher learning on a full-time basis.

Covered Critical Illnesses (member, and spouse under the voluntary program)

Aortic Surgery Dilated Cardiomyopathy Multiple Sclerosis
Benign brain tumour Fulminant viral hepatitis Muscular dystrophy
Blindness Heart Attack Occupational HIV Infection
Cancer (life-threatening) Kidney failure Paralysis
Coma Loss of speech Parkinson’s disease and specified atypical Parkinsonian disorders
Coronary Artery Bypass Surgery Major organ failure on waiting list Primary pulmonary hypertension
Deafness Major organ transplant Severe burns
Dementia, including Alzheimer’s disease Motor Neuron disease Stroke

Covered Critical Illnesses (dependent child under the voluntary program)

Blindness Cystic Fybrosis Mental deficiency
Cancer (life-threatening) Deafness Muscular Dystrophy
Cerebral Palsy Down’s Syndrome Paralysis
Coma Loss of Speech Severe Burns
Congenital Heart disease requiring surgery Major organ transplant Spina bifida cystica

Frequently Asked Questions (Voluntary Coverage)

1. How do I enroll?

Contact Doctors Manitoba for enrollment forms that must be completed and returned.

2. I have a pre-existing condition, should I enroll in the program?

Do not discount your insurability.. The pre-existing condition limitation is only for 24 months. Depending on your medical condition, you may lose the pre-existing condition limitation after 24 months of being insured.

3. I have a pre-existing condition; can I still make a claim?

The Critical Choice-Care program covers 24 critical illnesses. The pre-existing condition limitation applies only if you are diagnosed with an illness that is linked to your pre-existing condition. Nevertheless, you must submit your claim, because each claim is reviewed on its own merits.

4. What happens to incomplete Application forms?

Incomplete Application Forms are returned to the applicant immediately. Delays in processing the application may result.

5. When does the insurance take effect?

Coverage will become effective on the date of the approval by the insurer.

6. How can one qualify for the reduced non-smoker rates?

To qualify for the non-smoker rates the applicant must not have used smoking materials (cigarettes, cigars, pipe, chewing tobacco, nicotine patch or nicotine gum) or used tobacco in any other form within the last 12 months.

7. Will I remain entitled to long term disability benefits (LTD) benefits if I receive a benefit for a critical illness?

The critical illness benefit will not affect your long term disability payments

8. How can I make changes to my coverage?

Changes to coverage can be requested within 31 days of a Life Event or within 31 days of another Life Event. Please notify Doctors Manitoba of pertinent changes and complete the documentation they provide you. To apply for an increase in insurance a new Application Form must be completed and submitted to the Insurer via Doctors Manitoba for approval. The same applies for a reduction in insurance amount.

9. How do I file my claim?

Filing a claim is a very simple process. Notify Doctors Manitoba of your claim, either in writing or verbally, as soon as you are diagnosed with a covered illness. Doctors Manitoba will verify your coverage and notify the insurer that they have received a notice of claim from you. The insurer will send you a letter and claim forms pertaining to your illness after receiving the notice from Doctors Manitoba.

10. Will I remain insured for critical illness after having received a benefit under this program?

Yes, coverage remains in force after the payment of a benefit, subject to the limitations specific in the Re-Entry Exclusions section of the member booklet.

11. What is the Second medical opinion program?

The Insurer, in cooperation with AXA Assistance Canada, agrees to provide the Section Medical Opinion Program to all Insured Persons. Please refer to the member booklet in order to read about what the Second Medical Opinion Program provides to you and your spouse.

The purpose of this document is to provide a summary description. It is not intended to describe all provisions, exclusions and limitations applicable to a benefit or to a specific insurance policy. For complete description of the provisions, exclusions and limitations that apply, please refer to the contract. In this document, SSQ refers to SSQ Insurance.

Last updated
April 13, 2021

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