Affordable Coverage for Health, Critical Illness, Disability & Travel

Name: St. John’s Life Insurance
Address: 7 Stamp’s Lane, St. John’s, NL, A1E 3C9
Telephone: 709-631-0028

Critical Illness Insurance
Disability Insurance
Travel Insurance
Individual Health Insurance

An individual health insurance plan is an affordable solution that provides you and your family with comprehensive coverage for prescription drugs, dental, and vision care. Too often, Newfoundlanders and Labradorians get startling medical news and discover they can’t get health insurance coverage after they become ill. Additionally, not all medications or treatments outside of the hospital are covered by government health plans. You may then find yourself paying thousands of dollars in medical bills when you should be free to focus on getting better.

With the help of St. John’s Life Insurance, you can apply now for health insurance while you’re healthy. It’s much easier to be approved now than when you’re faced with a major health issue. Once you’ve talked to our experts on Medavie Blue Cross™, we can help you choose a health plan that’s right for you and your family. Get in touch with St. John’s Life Insurance today to discuss your options.

Critical Illness Insurance
A critical illness can occur anywhere, anytime to anyone! The stats on cancer, heart attack, and stroke for Canada are staggering. For example, 1 in 2.2 Canadians will develop cancer during their lifetime, 96,200 males and 91,400 females. With prostate cancer (24.5%) for men and breast cancer (26.1%) for women leading the way, Atlantic Canada has the highest rates of cancer in Canada with Newfoundland and Labrador having over 3,300 cases diagnosed per year (429.7 per every 100,000). That’s the highest rate in Canada.

Each year, there are 70,000 heart attacks in Canada (1 every 7 minutes). Heart attacks are a leading cause of death in the country. However, because of modern technology and advanced medicine, more people are surviving longer than ever before.

The Challenges of a Critical Illness
The biggest challenge in being diagnosed with a critical illness is the stress of getting cured; the second biggest stress is financial. Where will the money come from to pay the bills, maintain the mortgage, and more? The answer is a 25 Condition Critical Illness Insurance Policy which pays you a lump sum, tax-free benefit.

For example, you can receive $100,000, $250,000, or up to whatever amount you choose. The money is paid directly to you, not to the hospital or another insurance company. You can do whatever you wish with it! You can use the money on things such as home renovations, medical treatments, vacations, or just your day to day expenses.

Most critical illness policies generally include:

Alzheimer’s disease
Aortic surgery
Aplastic anemia
Bacterial meningitis
Benign brain tumour
Blindness
Cancer (life-threatening)
Coma
Coronary artery bypass surgery
Deafness
Heart attack
Heart valve replacement
Kidney failure
Loss of independent existence
Loss of limbs
Loss of speech
Major organ failure on waiting list
Major organ transplant
Motor neuron disease
Multiple sclerosis
Occupational HIV
Paralysis
Parkinson’s disease
Severe burns
Stroke and early discovery benefit

Disability Insurance
Accidents and illnesses are a fact of life. They could happen to anyone at any time.

Did You Know?
On average, 1 in 3 people will be disabled for 90 days or longer at least once before the age of 65. For disability that lasts over 90 days, the average length of time is usually 2.9 years.

Disability insurance is the best way to protect your ability to earn an income, protecting you and your family. At St. John’s Life Insurance, we can help you design a disability plan that addresses your needs and protects your ability to earn a living – something that is jeopardized the second a disability strikes.

Ensure that you and your family are protected! You can find several disability plans for individuals, professionals, business owners, or an employee at St. John’s Life Insurance. We can also tailor a plan to meet your needs. It can be a plan with standard features and optional benefits. Generally, a disability plan covers 66 2/3 of your gross income tax free.

Travel Insurance
Sadly medical emergencies don’t take a vacation just because you do. When you’re planning to travel, be sure to consider getting travel insurance from St. John’s Life Insurance. Travel insurance can keep you and your family protected from the unexpected while out of the country.

Unfortunately, out-of-province emergency medical expenses are not generally covered by your Provincial Medical Plan (MCP). The cost of one medical emergency while traveling can be financially devastating. Buying travel insurance is the best way to safeguard yourself should the unexpected happen during your travels.

When contacting us about travel insurance, ask us about trip cancellation and baggage!

Individual Health Insurance
Elements
Through Medavie Blue Cross, St. John’s Life Insurance can offer Elements an affordable personal health plan. It protects you and your family from costs generated during serious illness.

The Elements plan comes with coverage on routine expenses like eyeglasses, antibiotics, and dental costs. There is no overall maximum on the drug module and financial protection is available should you develop any critical illness.

Sign up for the Elements plan today by downloading and filling out the application form.