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The BCCA Critical Illness Insurance Plan is customized for its membership:

Features include:

  • 200% payout for occupational injuries for certain covered illnesses.
  • $50/day hospital cash in the event of an accident.
  • Ductal Carcinoma in Situ (DCIS, the most common type of non-invasive breast cancer).
  • Early prostate cancer treatment.
  • 2nd event coverage: for example, if cancer is the first claim and then you get heart disease, you can claim again. Most critical illness policies only cover first event.
  • Coverage to age 70.

What is the advantage of buying Critical Illness insurance through the BCCA Employee Benefit Trust?

BCCA has negotiated with the insurer for competitive rates due to the strength of membership numbers. In addition, we have been able to get additional coverage that would not otherwise be part of a critical illness insurance policy. Customized coverage includes hospital cash in the event of an accident, double payout for an occupational-related illness, and more. It also includes 2nd event coverage that is not typical of critical illness policies.

What is 2nd event coverage? 

Chances are you'll get better and return to work. Unlike many other critical illness insurance plans, coverage doesn't always end after the first event. This plan includes 2nd event coverage. Here's how it works:  

  • If Cancer is 1st claim, a second claim can be any other non-cancer covered condition.
  • If 1st claim is for one of the cardiovascular illnesses (e.g. Heart Attack, Stroke, Aortic Surgery, Heart Valve Replacement), a second claim can be any other non-cardiovascular illness.

How is Critical Illness insurance payout taxed?

There are no specific income tax laws for critical illness insurance. Based on current tax laws, cash payouts from critical illness insurance will not be taxed when an individual owns the policy. If a corporation owns the policy, different tax laws may apply.

What happens if I don't get an illness that is covered?

If you are not diagnosed with a covered illness before age 70, the coverage will expire. There is no refund of premiums paid. However, the cost of this coverage can be deducted as an expense for your company (confirm this with your tax advisor).

Can I get Critical Illness insurance for my spouse or children?

At this time, the coverage is only offered to the individual members within the group. If you want to get coverage for other family members, you will need to do so outside the BCCA Critical Illness Plan.

Applying is easy. There are no medicals for groups with more than two employees. You don't have to answer any family history questions. Just fill out a simple application questionnaire.

Call Colleen Cadez at the BCCA Employee Benefits office at 604-296-3255, or call toll-free at 1-800-665-1077.

When will the coverage go into effect?

Your coverage will be effective as soon as the insurer provides you with a confirmation of coverage, which will be within 30 days of coverage. The additional cost will be added to your group cost for your BCCA Employee Benefit Trust.

Please click here for the promotional brief on the BCCA Employee Benefit Program Critical Illness Insurance plan.
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