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Individual InsuranceProductsMortgage InsuranceInsurance Without Medical Exam - Critical Illness Insurance

Insurance Without Medical Exam - Critical Illness Insurance

Have you ever been declined for critical illness insurance?

Humania Assurance - Insurance Without Medical Exam is for people who, for medical or other reasons, have had difficulty in obtaining critical illness insurance.

Receive up to $100,000 in case of heart attack, cancer or stroke
Receive up to $100,000 in case of heart attack, cancer or stroke

Only 6 eligibility questions

There is no medical exam required. All you have to do is answer six simple eligibility questions. You are protected immediately upon receipt of your online application and the first premium payment.

Amount of coverage

  • Minimum : $5,000
  • Maximum : $100,000

Type of contract

Term 10 or 20 years depending on the option chosen by the insured.

Covered Illnesses

  • Heart attack (myocardial infarction)
  • Cancer
  • Stroke (cerebrovascular accident)
  • Coronary surgery

Available to persons age 18 to 55 years old (inclusive).

Why our insurance without medical exam?


  • No medical exam
  • No question regarding age and weight
  • People previously diagnosed with HIV, Diabetes, Cancer, Multiple Sclerosis or other critical illnesses may be eligible

Benefits of the product

  • Online application
  • Includes Refund of Premium on Death
  • Immediate coverage
  • Premium based on your actual age
  • Disability and Life insurance are also available with no additional questions
  • Renewal guaranteed to age 65
  • Premium Refund Rider available (75% after 20 years)

Contact your financial security advisor to get more information on a critical illness insurance tailored to your needs.

Check online right away to see if you're eligible!

Documentation and tools

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