| Critical Illness Underwriting Requirements |
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Underwriting requirements - Critical Illness
Products:
Harmony, Consumer's CI, Harmony New Generation, EHSP, Mortgage CI Protector, Accelerated Health Care, Health Care Advance (health portion), Enhanced T10 (health portion).
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UNDERWRITING REQUIREMENTS GUIDE
CRITICAL ILLNESS |
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Sum insured |
Age |
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0-17 |
18-40 |
41-50 |
51-60 |
61-65 |
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$0 à $99,999 |
1 |
1 |
1 |
5* |
5* |
|
$100,000 à $250,000 |
1** |
2 |
2 |
5 |
7 |
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$250,001 à $500,000 |
IC |
2 |
5 |
7 |
7 |
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$500,001 à $999,999 … |
NA |
5 |
6 |
7 |
7 |
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$1,000,000 à $2,000,000 |
NA |
8 |
8 |
8 |
9 |
1. Non-medical (for ages 0 to 14, APS may be required)
2. Urine
3. Paramedical
4. Paramedical and urine
5. Paramedical and blood profile
6. Paramedical, blood profile and electrocardiogram
7. Medical exam, blood profile and electrocardiogram
8. Medical exam, blood profile, electrocardiogram, inspection report and financial statement
9. Medical exam, blood profile, stress electrocardiogram, inspection report and financial statement
* For Accelerated Health Care of less of $20,000, blood profile replaced by urine.
** For 15 to 17, urine is also required.
For amounts ranging between $500,001 and $999,999 the appropriate financial questionnaire is required (not applicable to Executive Savings Plan nor to insured aged 17 or less).
Notes:
Sum insured refers to the total amount of insurance (critical illness and accelerated health care) applied for within the last 6 months at DFS.
Medical requirements are valid for a period of up to 6 months.
PSA as of age 51 and $0 for men.
IC : Individual considerations
Underwriting requirements - Critical Illness
 1 page - 24 kb
Pre-Sélection Guide - Critical Illness
This information is presently being updated. It will be posted shortly.
Blood pressure and Cholesterol Tables
 2 pages - 40 kb |
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