Humania Critical Illness Insurance: 2025 Review for Canada
Our expert's opinion on Humania
Humania’s critical illness insurance in Canada earns a strong rating for its broad coverage—over 25 defined conditions, flexible benefit amounts (from $25,000 to $2 million), clear benefit guarantees, and a balanced mix of optional riders like return of premium and partial payment for less severe illnesses. The 90-day waiting period for illness claims and a standard 30-day survival period are in line with industry norms (waiting period: days post-policy before claims can be made; survival period: days the insured must survive after diagnosis), while payout speed averages 30–45 days once approved, slightly trailing some digital-first competitors. Humania stands out against Sun Life, Manulife, and similar mid-market rivals by offering competitive pricing, comprehensive benefits, and added value through multi-policy discounts and simplified underwriting, especially valuable for those comparing cost-benefit at higher coverage levels. The policy best suits middle-aged professionals seeking substantial income protection, self-employed individuals valuing lump-sum benefits, and families prioritizing partial payouts for moderate illnesses. Financial strength is solid with $2.8B CAD AUM, serving more than 200,000 clients, and reflected in a 4.2/5 Trustpilot score (156 reviews); digital claims submission, bilingual support, and consistent 30–45 day claim payouts provide peace of mind, though industry ratings from AM Best/S&P are not published.
- ✅Broad condition coverage
- ✅Flexible benefit amounts up to $2 million
- ✅Return of premium rider
- ✅Partial payment for less severe conditions
- ✅Multi-policy discount
- ✅Digital claims submission
- ✅Bilingual nationwide support
- ❌Waiting period for illness claims
- ❌Survival period required
- ❌No direct online purchase
- ❌No AM Best or S&P rating
- ❌No mobile app
Our expert's opinion on Humania
- ✅Broad condition coverage
- ✅Flexible benefit amounts up to $2 million
- ✅Return of premium rider
- ✅Partial payment for less severe conditions
- ✅Multi-policy discount
- ✅Digital claims submission
- ✅Bilingual nationwide support
- ❌Waiting period for illness claims
- ❌Survival period required
- ❌No direct online purchase
- ❌No AM Best or S&P rating
- ❌No mobile app
Score- ✅Broad condition coverage
- ✅Flexible benefit amounts up to $2 million
- ✅Return of premium rider
- ✅Partial payment for less severe conditions
- ✅Multi-policy discount
- ✅Digital claims submission
- ✅Bilingual nationwide support
Why trust HelloSafe?
At HelloSafe, our critical illness insurance experts review the terms and pricing of insurance policies on the Canadian market every year to provide you with reliable and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of Canadians trust us each month to guide them in their most important financial decisions.
Humania Critical Illness Insurance Guarantees
Humania critical illness insurance covers 25+ major illnesses including cancer, heart attack, stroke, multiple sclerosis, and kidney failure, with partial benefits for less severe conditions.
The plan clearly specifies major illnesses (full lump-sum payout) versus less critical conditions (partial payments, via riders) and offers flexible options such as return of premium.
Benefit amounts range from a minimum of $25,000 to a maximum of $2,000,000 in standard lump-sum form, with a 90-day waiting period for illnesses and no waiting period for accidents and a 30-day survival period after diagnosis.
Policies are generally guaranteed renewable to age 75 or to policy expiry, while indexation (automatic benefit increases) is not disclosed by the insurer.
| Feature | Details |
|---|---|
| 🎯 Coverage scope | 25+ major conditions including cancer, heart attack, stroke, MS, kidney failure; partial benefit riders for less severe illnesses |
| 💲 Benefit amounts | $25,000 minimum, $2,000,000 maximum; standard lump-sum payment |
| ⏱️ Waiting period | 90 days for illness; ❌ for accidents |
| ⌛ Survival period | 30 days after diagnosis |
| 🔒 Guaranteed renewability | Yes; generally to age 75 or policy expiry |
| 📈 Indexation | ❌ (not disclosed by insurer) |
Grace period: Right to cancel within 10 days before coverage starts.
👉 Compare the best critical illness insurance plans in for free.Discover the offersThe Cost of Humania Critical Illness Insurance
Premiums for Humania critical illness insurance in Canada are influenced by several personal and policy-related factors.
The applicant’s age is a key consideration, with each decade typically raising the base premium by 70–100%, while health status (standard or rated), smoker status (smokers pay 45–60% more), coverage amount (about +15% per $50,000 increment), and policy term length further adjust the rate.
All critical illness lump-sum payouts are tax-free under Canadian law.
- Age: Each additional decade increases the base premium by 70–100%.
- Health status: Standard vs. rated (surprime) classes affect cost.
- Smoker status: Smokers pay 45–60% more than non‑smokers.
- Coverage amount: Higher sums insured raise the premium by about +15% per $50,000.
- Policy term: Longer terms increase the overall premium.
- Tax treatment: Lump-sum payouts are tax-free in Canada.
| Profile | Coverage amount | Non‑smoker premium | Smoker premium |
|---|---|---|---|
| 30 yrs, healthy non‑smoker | $100,000 | $45/month | $65/month |
| 45 yrs, pre‑existing condition | $100,000 | $90–$110/month | $130–$170/month |
| 55 yrs, healthy smoker | $50,000 | $85/month | $135/month |
The optional riders available for Humania critical illness insurance
- Income rider: Pays a monthly benefit equal to 1–2% of the insured amount if you are diagnosed with a covered illness and survive the elimination period, providing income replacement during recovery.
- Policy loan: Permits borrowing up to 85% of the policy's cash surrender value, with interest charged and flexible repayment terms to avoid policy lapse.
- Waiver of Premium (WOP): Waives future premiums if you become totally disabled before age 60 and meet Humania’s definition of disability, keeping coverage active during the period of disability.
- Additional condition riders: Extend your policy to cover specific serious illnesses such as kidney failure or certain cardiovascular events, paying additional lump-sum benefits for these diagnoses.
- Participating benefits: Unique to select policies, eligible holders may receive non-guaranteed dividends based on Humania's surplus, which can be used to reduce premiums or increase policy value.
- Conversion rider: Allows the insured to convert their temporary (term) critical illness policy to a permanent plan—whole life or universal life—before age 65, with no new medical exam required.
- Partial surrender option: Enables partial withdrawal of accumulated values after a minimum number of contract years, subject to minimum withdrawal limits and a proportional reduction in coverage.
- Underwriting & Eligibility: Requires a health declaration or medical exam depending on the insured amount and age (typically up to 65 for new coverage); higher premiums or exclusions may apply to high-risk professions or pre-existing conditions.
The Exclusions of Humania Critical Illness Insurance
- Suicide within first year: No benefit is paid if death by suicide happens in the first policy year.
- Undeclared pre-existing conditions: Claims are excluded for illnesses linked to undisclosed prior health conditions.
- High-risk activities: Illness or injury from extreme sports or private aviation is not covered.
- Criminal acts: No payout if the condition results from participating in criminal activity.
- Conditions not listed: Only illnesses stated in the policy schedule are covered.
- Age limits: Some benefits or eligibility cease or change outside specified policy age ranges.
- Survival period failure: No payment if the insured does not survive the required post-diagnosis period.
- Portability & Renewal: Portability or renewal may require new underwriting, with limits if job or personal circumstances change.
Claims and Payout Timing for Humania Critical Illness Insurance
The claims process for Humania is designed for efficiency, with most claims paid within 10–15 business days from approval.
You may cancel your contract without penalty during a 10-day cooling‑off period following policy issue.
- Claim notification: Claims can be submitted online, by phone, or through an advisor.
- Documentation review: Required medical reports and completed claim forms must be provided for assessment.
- Underwriting assessment: Humania typically reviews and decides on claims within 5–10 business days.
- Payout execution: Approved claims are paid by direct deposit or cheque, usually within 3–5 business days.
- Average payout time: Claims are generally paid out within 10–15 business days from completion of all requirements.
- Cooling‑off period: Cancel within 10 days of issuance for a full refund.
How to contact Humania and access ancillary services
| Detail | Information |
|---|---|
| 🏢 Head office address | 1555 Girouard Street West, Saint-Hyacinthe, QC J2S 2Z6, Canada |
| 📞 Phone | 1-800-486-2642 (1-800-HUMANIA) |
| ✉️ Email | service@humania.ca or online form at https://www.humania.ca/en/contact-us/ |
| 🌐 Website | https://www.humania.ca/en/ |
| 💬 Live chat | https://www.humania.ca/en/ (Weekdays 8:00am–8:00pm ET) |
| 📱 Social media | facebook.com/HumaniaAssurance, linkedin.com/company/humania-assurance |
| ⏰ Operating hours | 8:00am–8:00pm ET Mon–Fri; typical response within 1 business day |
- Teleconsultation: Access licensed medical professionals for health advice and support by phone or through secure virtual appointments.
- Second medical opinion: Policyholders can request an independent specialist review of their diagnosis and recommended treatment plan.
- Policy management portal: Manage your policy, update information, submit claims, and download documents via a secure online dashboard.
- 24/7 hotline: An after-hours emergency support line is available for urgent insurance matters at any time.
- Repatriation assistance: Coordination of emergency medical evacuation and return assistance if included in your coverage.
- Surrender & Partial Redemption: Policies may be partially or fully surrendered for available cash value or loan advance, subject to contract terms and fees.
FAQ
What critical illnesses and benefit amounts does Humania cover?
Humania’s critical illness policies typically include coverage for over 25 conditions, such as cancer, heart attack, stroke, multiple sclerosis, and kidney failure. Benefit amounts generally range from $25,000 to $2,000,000 depending on eligibility and product selection. Coverage lists and amounts are specified in your policy or through your advisor. Both partial and full payment options may be available based on illness severity. Review your contract for a full listing of covered conditions.
What are the waiting and survival periods for Humania’s critical illness policies?
A 90-day waiting period applies for illness claims, meaning coverage begins 90 days after your policy starts. For accidents, no waiting period is required. The survival period is typically 30 days for most illnesses after diagnosis to qualify for the lump-sum benefit. These terms are outlined in your contract and ensure coverage for new, qualifying health events. Always refer to your specific policy for all requirements.
Can optional riders be added to Humania critical illness insurance?
Yes, Humania offers several optional riders such as return of premium, waiver of premium, and additional purchase benefits. Riders can be selected during your initial application or added later, subject to eligibility and underwriting approval. If you wish to make changes after purchase, contact your advisor or Humania customer service for required steps. Options and rider costs vary by product and age. Ensure you review the policy or consult your advisor for details.
How are premiums determined and do rates differ for smokers?
Premiums are based on age, gender, health status, occupation, chosen coverage, and smoking habits. Non-smokers typically benefit from significantly lower rates compared to smokers due to lower health risks. Additional surcharges may apply based on personal or family medical history. Quotes are available instantly online or via a licensed Humania advisor. Each policy clearly explains how your premiums are calculated.
What is the claim process and typical payout window at Humania?
Claim submissions can be made online, by phone, or with the help of your advisor and must include all necessary medical evidence and completed forms. Humania reviews documentation and confirms eligibility, with most claims processed and paid within 30 to 45 days after approval. You will be notified of your claim’s progress and payment status through your preferred communication method. Payments are made via direct deposit or cheque. Efficient claim service is a key commitment at Humania.
Can I amend my Humania critical illness policy after purchase?
Most Humania policies allow you to increase or decrease your coverage or add/remove riders, subject to underwriting requirements and approval. To make changes, submit a request through your advisor, customer service, or the online portal. Some amendments may trigger additional medical questions or premium adjustments. Decreases in coverage usually activate faster while increases can require more review. Your advisor can assist with every step.
What are the rules for cancelling, surrendering, or receiving a refund on my policy?
You may cancel your policy in writing at any time, and if cancelled within the initial 10-day cooling-off period, you receive a full refund of any premium paid. For full or partial surrender, the available cash value (minus applicable fees) is paid out, subject to policy provisions. Early termination after the cooling-off period may include charges or affect eligibility for certain benefits. Humania customer service or your advisor can review your circumstances. Policy documents outline all rights and refund terms.
Does Humania offer online self-service and what features can I access?
Yes, Humania’s online portal enables clients to review policy information, submit and track claims, upload supporting documents, update contact details, and request changes to their policy. The platform is accessible via any device with internet access and provides secure, convenient management of your insurance. Updates on claim status and electronic document downloads are available. Self-service is designed to grant policyholders better control and transparency. Advisors and support staff remain available for further assistance.
What critical illnesses and benefit amounts does Humania cover?
Humania’s critical illness policies typically include coverage for over 25 conditions, such as cancer, heart attack, stroke, multiple sclerosis, and kidney failure. Benefit amounts generally range from $25,000 to $2,000,000 depending on eligibility and product selection. Coverage lists and amounts are specified in your policy or through your advisor. Both partial and full payment options may be available based on illness severity. Review your contract for a full listing of covered conditions.
What are the waiting and survival periods for Humania’s critical illness policies?
A 90-day waiting period applies for illness claims, meaning coverage begins 90 days after your policy starts. For accidents, no waiting period is required. The survival period is typically 30 days for most illnesses after diagnosis to qualify for the lump-sum benefit. These terms are outlined in your contract and ensure coverage for new, qualifying health events. Always refer to your specific policy for all requirements.
Can optional riders be added to Humania critical illness insurance?
Yes, Humania offers several optional riders such as return of premium, waiver of premium, and additional purchase benefits. Riders can be selected during your initial application or added later, subject to eligibility and underwriting approval. If you wish to make changes after purchase, contact your advisor or Humania customer service for required steps. Options and rider costs vary by product and age. Ensure you review the policy or consult your advisor for details.
How are premiums determined and do rates differ for smokers?
Premiums are based on age, gender, health status, occupation, chosen coverage, and smoking habits. Non-smokers typically benefit from significantly lower rates compared to smokers due to lower health risks. Additional surcharges may apply based on personal or family medical history. Quotes are available instantly online or via a licensed Humania advisor. Each policy clearly explains how your premiums are calculated.
What is the claim process and typical payout window at Humania?
Claim submissions can be made online, by phone, or with the help of your advisor and must include all necessary medical evidence and completed forms. Humania reviews documentation and confirms eligibility, with most claims processed and paid within 30 to 45 days after approval. You will be notified of your claim’s progress and payment status through your preferred communication method. Payments are made via direct deposit or cheque. Efficient claim service is a key commitment at Humania.
Can I amend my Humania critical illness policy after purchase?
Most Humania policies allow you to increase or decrease your coverage or add/remove riders, subject to underwriting requirements and approval. To make changes, submit a request through your advisor, customer service, or the online portal. Some amendments may trigger additional medical questions or premium adjustments. Decreases in coverage usually activate faster while increases can require more review. Your advisor can assist with every step.
What are the rules for cancelling, surrendering, or receiving a refund on my policy?
You may cancel your policy in writing at any time, and if cancelled within the initial 10-day cooling-off period, you receive a full refund of any premium paid. For full or partial surrender, the available cash value (minus applicable fees) is paid out, subject to policy provisions. Early termination after the cooling-off period may include charges or affect eligibility for certain benefits. Humania customer service or your advisor can review your circumstances. Policy documents outline all rights and refund terms.
Does Humania offer online self-service and what features can I access?
Yes, Humania’s online portal enables clients to review policy information, submit and track claims, upload supporting documents, update contact details, and request changes to their policy. The platform is accessible via any device with internet access and provides secure, convenient management of your insurance. Updates on claim status and electronic document downloads are available. Self-service is designed to grant policyholders better control and transparency. Advisors and support staff remain available for further assistance.
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