Accident

Issue age - (age nearest)

  • Between 0 and 60 years

Amount of insurance

  • $100,000
    • If the total amount of insurance is $10,000 or more.
  • $250,000
    • If the total amount of insurance is $125,000 or more.
  • $500,000
    • If the total amount of insurance is $250,000 or more.

Premium

  • Fixed and guaranteed
  • The payment depends on the main insurance coverage (10, 15, 20 years or until the end of the main insurance coverage)

End of coverage

At the first of these eventualities:

  • The 70th birthday of the insured
  • The death of the insured
  • The date of conversion of the policy into a reduced paid-up insurance (reduced insurance amount)
  • The date of termination or end of the policy

Accidental death, Dismemberment or Loss of use

A percentage of the chosen insurance amount is payable for each loss mentioned below, provided that they resulted from different accidents. If the insured incurs more than one loss because of the same accident, the total amount paid will not exceed 100% of the chosen insurance amount. The dismemberment, loss or death has to occur within 365 days following the accident.

LossApplicable percentage
Two hands or two feet100%
Two eyes100%
Hand and foot100%
Foot and eye100%
Hand and eye100%
Hand or feet50%
Eye50%
Life10%

Accidental fracture

A benefit is payable for each fracture, provided that they have resulted from different accidents. If the insured incurs more than one fracture because of the same accident, they will receive the highest applicable insurance amount. For the benefit to be payable, the fracture must be diagnosed within 30 days following the accident.

FractureInsurance amount
Dome of the skull*$5,000
Spine (with the exception of the coccyx)$5,000
Pelvis (with the exception of the coccyx)$5,000
Femur$5,000
Ribs$1,500
Sternum$1,500
Scapula$1,500
Humerus bone$1,500
Kneecap$1,500
Tibia$1,500
Fibula$1,500
Larynx$1,500
Trachea$1,500
Bones not included above (including coccyx)$750

*The dome of the skull includes the frontal, sphenoid, occipital, parietal and temporal bones.

Characteristics

  • If the insured incurs more than one loss or fracture in the same accident, the highest applicable benefit amount will be paid.
  • If, following an accident, the insured incurs one or more losses or fractures and dies 365 days later, only the benefit amount in the event of an accidental death will be paid.
  • The benefit is doubled in certain circumstances (e.g. accident aboard a public transportation vehicle)