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Home Term Life Personal Accident Income Protection FAQ
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CIC Personal Accident Insurance – Member & Spouse

No matter how careful you are, accidents can and do happen – especially with today’s fast-paced lifestyles. The CIC Personal Accident Insurance Plan can help you offset the cost of expensive rehabilitation and help you meet ongoing financial responsibilities if an accident keeps you from working. Adding this to your Term Life coverage can be a wise idea.

Your CIC membership offers you and your spouse an exclusive opportunity to purchase CIC Personal Accident Insurance at incredibly low group rates.

 

Member Rates

The principal sum for each unit of coverage is $25,000. Members & their spouses are eligible for up to 30 units or up to $750,000 each.


PERSONAL ACCIDENT INSURANCE*
Monthly Premium for Each $25,000 Of Personal Accident Insurance
Member
Spouse
$1.25
$1.25

 

Plan Features

  • Personal Accident Insurance is only available as an addition to the Term Life Plan.
  • Benefits are payable in the event of an accident that, within 365 days, results in any of the losses listed below in the “Schedule of Losses.” The loss must be complete and irrecoverable.
  • Benefits are not payable for loss resulting directly or indirectly from illness or disease, infection that does not occur as a direct result of an accident or injury, medical or surgical treatment that is not the result of an accident or injury, self-inflicted injury, voluntary involvement in a criminal offence, insurrection or war, or flying except as a passenger with no flight duties.

 

Schedule of Losses

Accidental Loss Percentage of
Principal Sum Payable
Loss of Life
100%
Loss or Loss of Use of Both Hands or Both Feet
100%
Loss of Sight of Both Eyes
100%
Loss or Loss of Use of One Hand and One Foot
100%
Loss of One Hand or the Use thereof and Sight of One Eye
100%
Loss of One Foot or the Use thereof and Sight of One Eye
100%
Loss of Speech and of Hearing in Both Hears
100%
Total Paralysis of both Upper and Lower Limbs (Quadriplegia)
100%
Total Paralysis of Upper and Lower Limbs of One Side of Body (Hemiplegia)
100%
Total paralysis of both Lower Limbs (Paraplegia)
100%
Loss or Loss of Use of Both Arms or Both Legs
100%
Loss or Loss of Use of One Arm or One Leg
75%
Loss or Loss of Use of One Hand or One Foot
50%
Loss of Sight of One Eye
50%
Loss of Speech or of Hearing in Both Ears
50%
Loss of Thumb and Index Fingers of Same Hand
25%
Loss of Hearing in One Ear
25%

 

 

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