Lifecheque® Basic critical illness insurance
Simple critical illness insurance that helps you focus on recovery, not expenses.
Help protect your finances when critically ill
If you’re diagnosed with a critical illness, you want to have enough money to cover both your usual and additional expenses so that you can focus on your treatments. Get affordable, simple and easy to purchase protection through Lifecheque Basic critical illness insurance.
Benefits of Lifecheque Basic critical illness insurance
Whether you're covering everyday expenses, managing debt, or supporting your business, Lifecheque Basic can help provide financial flexibility when you need it most.
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Set your own priorities with a benefit you can use to replace your income
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Keep your business running and help protect your business partners
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Keep up with mortgage and debt payments
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Set your own priorities with a benefit you can use to help manage extra costs
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Top up payments from your employee benefits plan
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Coverage options for all ages from 18 to 75 years old
Guaranteed coverage
- Stay protected to age 75 even if your health or occupation changes
- Purchase your insurance with confidence, with a 30-day money-back guarantee
Medical second opinion
Independent review of diagnosis and treatment recommendations quickly and easily.
Health Service Navigator is offered through and is a registered trademark of Manulife (The Manufacturers Life Insurance Company). Health Service Navigator is powered by WorldCare Inc. WorldCare and The WorldCare Consortium are trademarks of WorldCare Limited, used under license.
Our Lifecheque Basic critical illness insurance plan details
Core plan:
You receive a tax-free, lump-sum benefit after being diagnosed with a covered condition and meeting any applicable waiting period requirements. Covered conditions included:
- Life-threatening cancer
- Heart attack (30-day waiting period applicable)
- Stroke (30-day waiting period applicable)
- Coronary artery bypass surgery (30-day waiting period applicable)
- Aortic surgery (30-day waiting period applicable)
Choose your coverage:
- $25,000, $50,000 or $75,000 if you’re between 18-55
- $25,000 or $50,000 if you’re between 56-60
- $25,000 if you’re between 61-65
Optional add-on:
If you have never made a claim, get your premiums back when you turn 75
Compare Manulife critical illness insurance options
Not sure which critical illness insurance solution is right for you? Explore Manulife's options to find coverage that fits your needs and budget.
Product |
Best for |
Key difference |
Lifecheque® Basic |
Individuals looking for straightforward, affordable coverage |
Covers 5 critical illnesses with simple coverage options |
Lifecheque® |
Individuals seeking broader protection |
Covers more critical illnesses and offers additional features |
CoverMe® critical illness insurance |
Individuals looking for online coverage options |
Designed for customers who prefer a digital purchase experience |
Need to file a claim?
Contact a Manulife Representative by phone: 1-800-668-0195
Please be prepared to provide your policy number, full name, address, date of birth, diagnosis and date of diagnosis. (Please allow 2-5 business days for claims forms to be sent to you.)
Frequently asked questions
Yes. Eligibility and approval for Lifecheque Basic are based on the information provided in your application, including health-related questions. An advisor can help you understand the application requirements and coverage options available to you.
Yes. Premiums are guaranteed and will not increase as long as your coverage remains in effect. Coverage is also guaranteed to continue to age 75, regardless of changes to your health or occupation after your policy is issued.
Yes. Lifecheque Basic includes a 30-day money-back guarantee that allows you to review your coverage and cancel within that period for a full refund. After that, you can contact Manulife for information about ending your policy.
Yes. If your claim is approved, the benefit is paid as a lump-sum payment. You can then use the money however you choose, whether for living expenses, debt payments, recovery-related costs, or other financial priorities.
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