You can get a quote in seconds by clicking ‘Get an instant quote’ on this page. The price is impacted by several factors, including the amount of coverage you select and your sex at birth, age, and use of tobacco products.

The risk of being dying and/or being diagnosed with a critical illness increases with age. To manage this risk, your premiums change when you enter a new age band. After age 25, age bands are in 5-year increments (i.e. 25-29, 30-34, 35-39 and so on). We’ll always advise you when there is a change to your premium.

When thinking about how much coverage you need, you should consider your income, financial obligations, dependents, and health care needs.

Your Protection Plus Benefits coverage will continue even if you leave your employment unless you cancel it. Premiums will continue to be deducted via pre-authorized debit and you will remain eligible to submit claims, assuming that all other terms of the coverage are met.

To obtain coverage, you need to be actively at work. When you return to work, you can obtain up to certain amounts of coverage if you apply within 31 days of your return-to-work date with no medical questions. Reach out to your employer to find out more details on coverage amounts when you get back.

If you apply during a time-limited ‘open enrolment’ period or are a new employee and apply within 31 days from the date you become eligible for benefits, you do not need to provide medical information to secure up to certain amounts in coverage. This amount of coverage is ‘guaranteed’.

If you were eligible during the time-limited period but decide to wait until after this period had passed to apply, then you will need to answer medical questions as part of your online application to secure any amount of coverage, unless you experience a qualifying life event.

The medical questions will simply appear as part of your application. Your application is still completed online and if more details are required based on your answers, Blue Cross Life will reach out to you to obtain this information.