Health priorities - To 100
Health Priorities – To 100 pays a tax-free lump-sum benefit to your client if they are diagnosed with any of the 26 critical illnesses and conditions, or undergo any surgeries listed, including all types of cancer. It also offers return of premium options and no survival period for cancers.
Clients who want lifetime coverage or the premiums they’ve paid returned if they change their mind or don’t get sick are the target market for this product.
- Features
- Product description
- Sales material
Features
Main features
- 26 critical illnesses and conditions are covered. An advance is paid for more than 15 treatments of some less severe conditions
- Only coverage in Canada that covers all types of cancers along with exclusive cardiovascular procedures
- No survival period to satisfy except for cardiovascular conditions and procedures (30 days)
- Long-Term care (LTC) coverage pays an amount whether the loss of independent existence is temporary or permanent
- Return of Premiums on Death is a minimum of 25% of the amount of insurance, if ROPD is selected
- Complimentary assistance services, provided by Assistel.
- Second medical opinion.
Critical illnesses and conditions
Cancers and Tumours:
- 1. Benign Brain Tumour
- 2. Cancer (Life-Threatening)
Cardiovascular:
- 3. Aortic Surgery
- 4. Coronary Artery Bypass Surgery
- 5. Heart Attack
- 6. Heart Valve Replacement or Repair
- 7. Stroke (Cerebrovascular accident)
Neurological:
- 8. Bacterial Meningitis
- 9. Dementia, including Alzheimer’s disease
- 10. Motor Neuron Disease
- 11. Multiple Sclerosis
- 12. Parkinson's Disease and Specified Atypical Parkinsonian Disorders
Vital Organs:
- 13. Kidney Failure
- 14. Major Organ Failure on Waiting List
- 15. Major Organ Transplant
Accident and functionnal loss :
- 16. Acquired Brain Injury
- 17. Blindness
- 18. Coma
- 19. Deafness
- 20. Loss of Limbs
- 21. Loss of Speech
- 22. Paralysis
- 23. Severe Burns
Other:
- 24. Aplastic anemia
- 25. Occupational HIV Infection
- + Long-Term Care
Long-Term Care coverage
- In case of loss of independent existence where the insured has reasonable chances of recovery, 15% of the amount of insurance will be paid, up to a maximum of $25,000.
- If the loss of independent existence ends up being permanent, any advance paid will be deducted from the amount of insurance payable.
Advance for less severe diagnosis and treatment
Minor cancers and cancer-related surgeries
Early-stage cancers: (Only one advance for the duration of the coverage)
- Carcinoma in situ
- Chronic lymphocytic leukemia – stage 0
- Cutaneous lymphoma without distant metastasis
- Dermatofibrosarcoma
- Ductal carcinoma in situ of the breast or lobular carcinoma in situ of the breast
- Malignant gastrointestinal stromal tumours
- Malignant carcinoid tumours
- Malignant melanoma – stage 1
- Papillary thyroid cancer or follicular thyroid cancer – stage 1
- Prostate cancer – stage T1a or T1b
The early-stage cancers listed above pay 15% of the amount of insurance (maximum of $50,000). If an advance of 1% has already been paid for a cancer not mentioned above (see the Other cancers section), it will be deducted from the 15% advance. Moreover, no amount will be paid if an advance for an ablation surgery has already been paid.
Ablation surgeries: (Only one advance for the duration of the coverage)
- Total mastectomy
- Total prostatectomy
The two ablation surgeries above pay 30% of the amount of insurance (maximum of $100,000). If an advance has already been paid for an early-stage cancer or another cancer (see the Other cancers section), it will be deducted from this advance.
Other cancers: (Only one advance for the duration of the coverage)
All other cancers not listed above pay 1% of the amount of insurance (maximum of $5,000). If an advance has already been paid for an early-stage cancer or an ablation surgery, this 1% advance won’t be payable.
Note for cancers:
If the client receives an advance payment for the early-stage cancers, ablation surgeries and other cancers, he remains covered for all the other illnesses covered by his contract, including life-threatening cancer.
Minor cardiovascular conditions and procedures (Only one advance for the duration of the coverage)
- Aortic aneurysm
- Coronary angioplasty
- Endovascular treatment of aortic aneurysm or disease
- Insertion of cardiac pacemaker or cardiac defibrillator
The minor cardiovascular conditions and procedures listed above pay 15% of the amount of insurance (maximum of $50,000).
Product description
Issue age (age at nearest birthday)
- 18 to 65 years old
Amount of insurance
- Minimum: $10,000
- Maximum: $4,000,000*
* For insurance amounts over $3,000,000, request a personalized illustration by writing to special.quotes@dsf.ca.
* For insurance amounts over $3,000,000, request a personalized illustration : see the Procédure | Faire une demande de cotation spéciale.
Critical illnesses and conditions
- 26 critical illnesses and conditions
- Advance paid for more than 15 treatments of some less severe conditions
- Long-Term Care: an amount is paid regardless of whether the loss of independence is temporary or permanent.
Rate bands
- $10,000 - $24,999
- $25,000 - $49,999
- $50,000 - $99 999
- $100,000 - $249,999
- $250,000 - $499,999
- $500,000 and over
Premiums
- Level to age 100
End of coverage
When the first of the following occurs:
- the total amount of insurance is paid
- the death of the insured
- the premiums are refunded
Annual policy fee
- Basic coverage: $40
- Additional coverage: $40
Coverage option
- Individual
Return of Premiums on Death (ROPD)
The higher of the following would be paid:
- 100% of all premiums paid OR
- 25% of the insured amount.
Premiums paid include:
- Premiums and substandard premiums for the critical illness coverage
- Premiums and substandard premiums paid for the “specific additional coverages” related to the critical illness coverage
- Charges associated with payment frequencies other than annual
- Policy fees related to critical illness coverage
Premiums paid don’t include:
- Premiums paid for other coverages under the same contract (e.g., other CI coverages, life)
- Premiums paid for non-specific additional coverages (e.g., fracture, dismemberment)
This option cannot be withdrawn after the policy is issued.
Return of Premiums (ROP)
2 choices of return of premiums on cancellation:
- 75% after 10 years, 100% after 15 years
- 50% after 10 years, 100% after 20 years
Refunds scale
| Anniversary | ROP 15 years | ROP 20 years |
|---|---|---|
| 1 to 3 | 0% | 0% |
| 1 to 3 | 0% | 0% |
| 4 | 15% | 10% |
| 5 | 25% | 20% |
| 6 | 35% | 30% |
| 7 | 45% | 35% |
| 9 | 55% | 40% |
| 10 | 75% | 50% |
| 11 | 80% | 55% |
| 12 | 85% | 60% |
| 13 | 90% | 65% |
| 14 | 95% | 70% |
| 15 | 100% | 75% |
| 16 | 100% | 80% |
| 17 | 100% | 85% |
| 18 | 100% | 90% |
| 19 | 100% | 95% |
| 20 and + | 100% | 100% |
Who receives the ROP, ROPD or benefit?
- CI: Beneficiary
- Refund of Premiums upon Death (ROPD): Beneficiary
- Refund of Premiums (ROP on Cancellation): Policyowner
Rate reduction program
- Yes, eligible for the Rate reduction program
Sales Material
To order, complete and submit the marketing supply requisition form.
Testimonial Video Series | Life and health
Sarah  Edwin  Dave  |
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- Outlines the benefits of a critical illness insurance policy offered by Desjardins Insurance.
- For clients and prospects.
- Note that for some cancers, a partial benefit of 30%, 15% or 1% will be paid depending on the severity of the diagnosis.
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Note: Information in brackets describes the video’s visual and audio content other than dialogue or narration.
[Context: a narrator states the consequences a critical illness can have on a person and how Health Priorities from Desjardins Insurance and its benefits can help alleviate this stress.]
[Action on screen: Different types of people of varying ages are shown.]
Serious illness doesn’t discriminate. As such, it can strike any of us - at any Time.
[Action on screen: The screen zooms in on one woman; she is receiving the news that she has an illness.]
The onset of a serious illness can have significant consequences on physical, psychological and financial health.
[Action on screen: The different aspects that can be affected by an illness are pointed out.]
That’s why Health Priorities from Desjardins Insurance is there for you.
[Text on screen: Health Priorities]
It allows you to focus on your health – without the financial burden that can accompany such a diagnosis.
Essentially, Health Priorities gives you peace of mind as it grants you the financial freedom of allocating those funds to wherever you need them most.
[Action on screen: The woman thinks about the various aspects of her life that financial freedom could facilitate.]
And because one in two Canadians is expected to be diagnosed with this disease,
[Text on screen: 1 in 2 Canadians is expected to be diagnosed with cancer. Source: Canadian Cancer Society (2018). Canadian Cancer Statistics]
… Health Priorities covers all types of cancers.
[Text on screen: Health Priorities covers all types of cancers]
If you return to being in good health? You may be eligible to receive a refund of your premiums at the end of your contract.
[The woman smiles as she receives money.]
Whether you're a parent at home, a business owner or a salaried employee, your advisor can help you set up your personalized critical illness insurance plan if ever you should have to face such a reality.
[Action on screen: The woman’s surroundings and clothing change to evoke different people profiles.]
By offering one of the most human and comprehensive solutions on the market, Health Priorities from Desjardins Insurance helps you through your illness, so you can fully focus on what matters most: recovering.
[Action on screen: The woman is rejoined by all the different people surrounding her at the start of the video.]
[Image on screen: Desjardins Insurance logo. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.]
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视频转录 – 健康优先保险 – 消费者
注：方括号中的信息描述视频中除对话或叙述以外的视觉及音频内容。
[语境：叙述者讲述重大疾病可以给患者带来的影响，Desjardins 的健康优先保险有何益处以及如何可帮助减轻此类压力。]
[屏幕动态：显示各年龄层不同类型的人。]
疾病不一定只发生在别人身上；它有可能随时降临在自己身上。
[屏幕动态：屏幕放大显示一名女性，她得到自己患病的消息。]
宣告患者患上重大疾病会对其生理、心理和财务健康都造成重大影响。
[屏幕动态：指出了受疾病影响的不同方面。]
Desjardins Insurance 的健康优先保险正是为了使患者免于遭受随疾病确诊而来的财务压力。
[屏幕文本：健康优先保险]
它使您拥有财务自由，能对自己的健康做出自己的决定；让您拥有平和的心态，专注于恢复健康。
[屏幕动态：这名女性想到财务自由可以给生活的方方面面带来的便利。]
另外，由于预计每两名加拿大人当中就会有一名被诊断出患有癌症...
[屏幕文本：预计每两名加拿大人中就有一名会被诊断出患有癌症。信息来源：加拿大癌症协会（2018 年）。加拿大癌症统计报告]
...健康优先保险覆盖所有类型的癌症。
[屏幕文本：健康优先保险覆盖所有类型的癌症]
如果您保持身体健康，您可以在合约期满时获得退还的保费。
[屏幕中的女性获得金钱，面带微笑。]
无论您是全职父母、企业东主或是受薪员工，您的保险顾问都可帮助您制订个人化的健康保险计划。
[屏幕动态：屏幕中女性的衣着和周围事物发生改变以体现不同类型的人物角色。]
通过提供市场上最体恤人情和最全面的医疗保险方案之一，Desjardins Insurance 的健康优先保险可帮助您度过患病期；如此，您便可专注于恢复健康。
[屏幕动态：这名女性再次和视频开始时她身旁不同类型的人列在一起。]
[屏幕上的图片：Desjardins Insurance 标志。Desjardins Insurance 是指 Desjardins Financial Security Life Assurance Company。]
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- Explanatory guide for Health priorities and Critical illness advance products (only for products purchased since 2018)
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- Details the complimentary assistance services offered to all Critical illness insurance (Health priorities) policyowners as of June 18, 2018.
- For clients and prospects.
- 8 ½ x 11 in
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- For clients and prospects
- Help your clients visualize the breakdown of amounts paid by Desjardins by type of critical illness
- Available on Webi only
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- Presents the features of critical illness insurance in simplified language for your customers
- For clients and prospects
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Client folder - Desjardins – 02059S
- Folder available to order