Critical Illness Insurance

Protect yourself and your family from the significant and often long-term financial hardship that can result from surviving a major illness. 

OPA members have flexibility and choice when it comes to insurance coverage. Select plans from Manulife OR Desjardins. 

The critical illness benefit will only be paid once during the participant’s lifetime, regardless of the number or frequency of other critical illnesses. Critical illness insurance does not replace long term disability insurance, but it is a helpful addition to it as part of a sound financial plan. 

When you choose OPA insurance, you are getting  programs developed for pharmacists, by pharmacists. Our programs are overseen by OPA, so you receive personalized service from us. If you have questions about your coverage or if you ever need to make a claim, we’re here to help. 


The Critical Illness Insurance provides coverage for everyday living expenses and gives you the independence to make meaningful decisions about your physical and financial recovery. 

Plan features include:  

  • Coverage up to $1,000,000 
  • Payment is provided in a lump sum amount, giving you the flexibility to allocate the benefit payment as you see fit 

The Critical Illness Insurance plan from Manulife offers a financial cushion of up to $250,000 in a single lump-sum payment to help you focus on your recovery, not your finances. 

Other benefits of the plan include: 

  • Coverage from $25,000 to $250,000 
  • 10% rate reduction on premiums for coverage amounts of $125,000 and up 
  • Benefit amount paid to you in a lump sum to use however you wish 
  • 30-day-money-back guarantee* 

Underwritten by Desjardins Financial

*Terms and conditions apply.  

Underwritten by 

The Manufacturers Life Insurance Company (Manulife). 

Manulife, Stylized M Design, and Manulife & Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.  

© 2022 The Manufacturers Life Insurance Company. All rights reserved. Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8. 

Accessible formats and communication supports are available upon request. Visit for more information. 

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Overseen by OPA

OPA has a licensed insurance representative that works on your behalf, to ensure you receive the best coverage for you and your family.

Financial security for family and dependents 

Critical illness insurance is paid independent of any other benefits or your ability to work. This coverage complements long term disability and life insurance by providing a financial safety net used to offset the added expenses of a serious medical condition.

Comprehensive coverage 

Personalized and customizable 

Developed for pharmacists, by pharmacists 


Underwritten by Desjardins Financial


Overseen by OPA

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