Medical Crisis Recovery Plan (Critical Illness)


Critical Illness Insurance nurse While Disability Insurance can protect you against loss of income, a Medical Crisis Recovery Plan (MCR) provides insurance in the event that you or a member of your family should contract a critical illness.

HMR can write a custom quote for Critical Illness Insurance with a variety of features depending on your needs. Contact us in Victoria for more information about critical illness insurance: 1-888-592-4614

Medical Crisis Plans provide income and services over and above disability insurance. Protection is provided up to age 100 and there are up to 22 critical illnesses and medical conditions covered including:

Base Coverage
(Available without a medical)

  • Stroke
  • Cancer
  • Heart Attack

Enhanced Coverage

  • Alzheimer's Disease
  • Aortic Surgery
  • Aplastic Anaemia
  • Bacterial Meningitis
  • Benign Brain Tumour
  • Blindness
  • Coma
  • Coronary Artery Bypass Surgery
  • Deafness
  • Heart Valve Replacement
  • Kidney Failure
  • Loss of Independent Existence
  • Loss of Limbs
  • Loss of Speech
  • Major Organ Failure on Waiting List
  • Major Organ Transplant
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Occupational HIV Infection
  • Paralysis
  • Parkinson's Disease
  • Severe Burns

With a Medical Crisis Plan you are guaranteed a lump-sum payment ranging from $10,000 to $2,000,000, thirty days following the diagnosis of one of the critical illnesses or medical conditions covered in the contract. The benefits are paid on top of all other medical insurance plans. The benefits are tax-free and can be used, as you wish to:

  • Provide home nursing care.
  • Enable your spouse to take a leave without pay.
  • Pay child care expenses.
  • Fund a training program for a new career.
  • Renovate your home to accommodate your medical condition.
  • Pay the medical costs for specialized treatments abroad.

Critical Illness Plans - Special Features

Return of Premium Option: Good fortune has seen it that you never needed to claim on your Critical Illness policy, with a Return of Premium option you can "cash in" your Critical Illness policy and receive a refund of your premiums paid. This option is often activated at age 75; the cash refund can then be used to fund a Long Term Care policy, or retirement.

Second Occurrence: Should fortune not be kind, and you are diagnosed with a second Critical Illness, the policy will pay out a second time.

HMR Insurance - Victoria, BC. Free, no obligation quote or contact us in Victoria for more information about critical illness insurance: (250) 592-4614




HMR Employee Benefits Ltd. 206-2187 Oak Bay Avenue - Victoria , BC V8R 1G1 PHONE: (250) 592-4614 - TOLL FREE: 1-888-592-4614 Fax: (250) 592-4953 - EMAIL:
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