Waiting periodBasic LifeLink® and Enhanced Critical Illness are living bene� ts. This means the insured person must survive the onset of the critical illness for a period of 30 days (or as speci� ed in each covered illness) before the bene� t is paid. At the end of this 30-day period, the insured person must still meet the de� nition of the critical illness as outlined in your group contract.
Pre-existing illnessesPre-existing illnesses are any illnesses which the employee, spouse or dependant has received medical treatment, consultation, care or services (including diagnostic measures) and/or for which he or she has been prescribed medication during the 24 months immediately prior to the e� ective date of coverage.
The bene� t is not payable as a result of any pre-existing illness unless the critical illness commences after 24 consecutive months of coverage. This clause does not apply to a child born while family coverage is in e� ect. Medical underwriting is required only for late applicants.
For more information about Basic LifeLink® and Enhanced Critical Illness bene� ts, please contact your plan advisor or Alberta Blue Cross group sales representative.
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1-800-661-6995www.ab.bluecross.ca
Benefits are underwritten by Blue Cross Life Insurance Company of Canada®.
The LifeLink® name and symbol are registered trademarks of Blue Cross Life Insurance Company of Canada used under license by the Alberta Blue Cross Plan.
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Critical Illness bene� ts
Basic LifeLink® and Enhanced Critical Illness bene� ts to help you cope in trying times
®* The Blue Cross symbol and name are registered marks of the Canadian Association of Blue Cross Plans, an association of independent Blue Cross plans. Licensed to ABC Bene� ts Corporation for use in operating the Alberta Blue Cross Plan. ® † Blue Shield is a registered trade-mark of the Blue Cross Blue Shield Association. ABC 80893 2017/01
Enhanced Critical Illness bene� tsEnhanced Critical Illness bene� ts di� er from Basic LifeLink® by providing more comprehensive coverage for the top three illnesses—heart attack, cancer and stroke. As well, covered illnesses can qualify at a less severe diagnosis than Basic LifeLink®.
Basic LifeLink® and Enhanced Critical Illness bene� tsOne in three Canadians will su� er a serious medical illness during their life. Thankfully, modern medical advances will allow many individuals to survive life-threatening illnesses. But a massive heart attack, a severe stroke or a debilitating form of cancer are among the critical illnesses that can drain your � nancial resources.
Alberta Blue Cross helps restore your � nancial security through Basic LifeLink® and Enhanced Critical Illness bene� ts. These two critical illness plans provide a cash payment when you need it the most. By easing the � nancial pressure, these bene� ts help you cope with the stress a critical illness brings.
While Basic LifeLink® and Enhanced Critical Illness both o� er living bene� ts, they di� er depending on a group’s needs and requirements. To help you select the appropriate bene� t, please contact your plan advisor or an Alberta Blue Cross group sales representative.
Bene� t scheduleOption 1 Option 2 Option 3
Employee $25,000 $50,000 $100,000
Spouse $5,000 $10,000 $20,000
Dependant $2,500 $5,000 $10,000
Basic LifeLink®covered critical illnesses
Critical illness plans provide a cash payment when you need it the most. By easing the � nancial pressure, these critical illness bene� ts help you cope with the stress a critical illness brings.
Alzheimer’s disease
Blindness
Burns
Coma
Deafness
Life-threatening cancer
Loss of speech
Major organ failure
Major organ failure requiring transplant
Motor neuron disease
Multiple Sclerosis
Paralysis
Parkinson’s disease
Senile dementia
Severe heart attack
Severe stroke
