The ultimate in Group Critical & Chronic protection insurance for Groups & Associations

VitalCheque is revolutionizing Group Critical Illness Insurance by creating a paradigm shift in coverages and definitions. Traditionally, Group Critical Illness Insurance plans have offered poor definitions, few options, limited coverages and were seldom convertible or portable.

VitalCheque has changed all that.  By combining features normally found in individual products with a group format, VitalCheque offers the very best coverages, options, flexibility and definitions all at affordable prices.

Definitions are the most important component in any Critical Illness Insurance (CII) plan.  They determine if and when you will be paid.  A reinsurance survey revealed that 38% of individual CII claims were denied because the conditions failed to meet the policies' definitions. VitalCheque's definitions are equal to or surpass the very best found in individual policies. VitalCheque's definitions are both legally and medically sound, which means there is very little chance for dispute at claim time.

An Ipsos-Reid survey conducted in 2005 found that 89% of Canadians had a relative or friend who was stricken with a critical illness.  Yet according to industry statistics less than 2% of Canadians have either CII or Long Term Care (LTC) Insurance.

VitalCheque is the logical choice when it comes to CII.  As a Group plan, VitalCheque is less expensive than individual plans and coverage is promptly provided with having the applicant endure a stringent underwriting process. VitalCheque will be able to provide coverage to many who would otherwise be rates, declined or have exclusions based on their family medical history or other factors. 

VitalCheque is convertible in the case of True Group and Optional Group coverage is portable; so when an employee leaves they won't have to worry about losing their coverage.

Can you guess the number of working Canadians who suffer a serious or critical illness by age 70? 1 in 2 or 50% will suffer a serious or critical illness prior to age 70.  Sounds incredible; but look at the incidents of Cancer, Heart Attack, Stroke and Kidney Failure that are increasing at an alarming rate.