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Critical Illness Insurance - Stones RV in New Glasgow & Sydney, NS


CREDITOR GROUP CRITICAL ILLNESS INSURANCE

Creditor group critical illness insurance takes care of your financial obligation towards the purchase or lease of a vehicle in case you are diagnosed with a covered condition, such as life threatening cancer, heart attack, stroke, coronary artery by-pass surgery, major organ failure requiring transplant, or paralysis. With an eligible critical illness insurance claim, the outstanding amount of the insured loan will be paid off to relieve the financial burden on you and your loved ones and allows you to focus on getting better.

The covered conditions may vary depending on the program offered to you by your dealer, please refer to the back of the certificate for the complete list.

As with any insurance product, there are eligibility requirements and you need to make sure you are aware of the limitations and exclusions as listed on the certificate. 

Eligibility Requirements

  • be within the eligible age range as indicated on the certificate of insurance
  • have not had a critical illness as defined on the certificate prior to the effective date of insurance

Note: eligibility requirements may vary depending on the insurance program offered to you by your dealer. Please refer to the eligibility section of your certificate of insurance. At the time of purchase of insurance coverage, after reviewing the eligibility requirement, you need to decide if you are eligible for the coverage. If unsure, please contact our eligibility line at 1-800-761-4655.

Pre-existing Conditions

Your coverage contains Limitations and Exclusions which are set out in detail on the back of the Certificate. In particular, your claim for benefits will not be covered if it is caused or contributed to by a Pre-existing Condition.

For example, in case of critical illness insurance, if the insured has a stroke and survives, and makes a claim under the critical illness coverage, the fact that he or she was being treated for a sprained ankle within the pre-existing condition qualification period, would not affect the payment of the claim and is not considered a pre-existing condition as long as the stroke is not in any way related to the sprained ankle.

However, if the insured was being monitored for heart problems during the pre-existing condition qualification period, then the claim would be considered a pre-existing condition and no benefit would be paid.

Note: The determination of pre-existing condition is based on a case by case basis. The above is intended for illustrative purposes only and is not intended to bind the Company. In the event there is any discrepancy between it and the Certificate, the wording of the Certificate will prevail. For greater certainty regarding your coverage, please refer to your Certificate. For questions regarding eligibility or pre-existing conditions, contact 1-800-761-4655.

Limitations and Exclusions

As with any insurance product, there are some limitations and exclusions varying from product to product and from provider to provider. Make sure to refer to the back of the insurance certificate for a complete list.

In addition to the general limitations and exclusions, below are some limitations and exclusions you would see specific to group creditor critical illness coverage.

No benefit would be paid for critical illness coverage if:

  • The insured does not survive 30 days following the diagnosis of the critical illness
  • The insured is diagnosed with cancer, had any signs and/or symptoms or medical problems commence, or had investigations leading to the diagnosis of any cancer initiated within 90 days following the effective date of insurance
  • Any critical illness exists before the effective date of insurance

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