First Nations Insurance Services Limited Partnership

FNIS Group Insurance Association

Employee & Family Assistance

Critical Illness Insurance for

Group Insurance Plans
Mandatory Critical Conditions Insurance (CCI)
For Your Employees

“With each passing year, there is an increasing awareness of critical illness. Medical advances are improving the probability of survival, but that survival is often followed by a lengthy, and costly recovery.

To help ease financial burden linked to a decrease in income when a critical illness strikes, our partnership with Blue Cross Life Insurance Company of Canada adds a strong, new element to the First Nations Insurance Services Limited Partnership (FNIS) benefits package – Group Critical Illness Insurance that you can elect to offer your employees.

Group Critical Illness Insurance
is designed to complement other types of insurance such as Disability and Life Insurance. Payment is made even if the insured makes a full recovery; continues earning an income; or receives any other insurance benefits. There are no restrictions on how the benefit is used – for medical treatment, home renovations or private duty nursing.

Following the specified survival period, on approval of a claim, Group Critical Illness Insurance pays once for any covered condition resulting from the same or related illness or disease. Two unrelated occurences per lifetime will be covered to the insured who is diagnosed with one of these 16 critical illnesses:

Under this plan, a mandatory coverage of $25,000 is available for all eligible employees, and medical evidence is not required.

Exclusions - no benefit is payable for claims resulting directly or indirectly from any of the following:

  • declared or undeclared war, insurrection, or rebellion
  • voluntary participation in a riot or act of civil disobedience
  • attempted suicide, or intentionally self-inflicted injuries while sane or self-inflicted injury while insane
  • the act of committing or attempting to commit a criminal offence
  • use of illegal or illicit drugs or substances, misuse of drugs or alcohol
  • death of insured during the required survival period

A pre-existing condition means any condition for which, during the 24 months immediately prior to the effective date of the Critical Conditions coverage, the insured Employee or Dependent has been prescribed medication or has received medical treatment, consultation, care of services by a physician, including diagnostic measures for any symptom or medical problem which leads to a diagnosis of, or treatment for, a Critical Condition as defined in the policy. Critical Conditions benefits are not payable as a result of any pre-existing conditions unless the Critical Condition, as defined in the Policy, Covered Conditions, occurs after 24 consecutive months of coverage. This clause will not apply to a child born while family coverage is in force.

The coverage will terminate the earlier of the first of the month following the insured’s 65th birthday; the date the Group Critical Illness Insurance benefit is paid; the date employment ends; the date the participating affiliate or policy holder terminates; the date the master policy terminates; the date the insured is no longer actively working or a resident of Canada; the date the insured retires or dies.


If employer has elected to participate in mandatory Group Basic Critical Conditions Insurance your employees become eligible to apply for coverage under the Enhanced CCI plan.

Additional Optional CCI coverage can be purchased in the amount of $25,000.

Contact First Nations Insurance Services Limited Partnership for more information about the Optional Enhanced Critical Conditions Insurance benefit.


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