Critical Illness Insurance

Skip the medical exam when you enrol within 60 days after the end of your participation in a group plan.
Or give us a call at
1 844 580-7642
8 a.m. to 5:00 p.m. Monday to Friday
(Eastern Time)
Perspective is an individual insurance plan that acts as a safety net after your participation in a group insurance plan ends.
It can happen for many reasons: if you retire, your job ends, a dependent loses coverage. In any case, Perspective is there to make sure you're covered!
This coverage supplements the public plan to cover various expenses related to healthcare, illness or accident, such as:
Travel insurance is included in our three levels of protection (described below!) and covers:
Trip cancellation or interruption fees
Expenses incurred in the event of a sudden and unexpected illness or accident
You can further complete your protection by opting for an optional coverage supplement that covers:
If you enrol within 60 days after the end of your participation in a group insurance plan, we’ll cover you and skip the medical exam or questionnaire.
All you have to do is fill out the enrolment form. Like to keep it simple? So do we!
To know the exact amount of your premiums or to get a clearer picture, give us a call at 1 844 580-7642.
Want more details about the coverage before you call? We’ve got a booklet for that.
Fill out the enrolment form and send it to us
by email: [email protected]
by regular mail:
Beneva Inc.
625 Jacques-Parizeau St, PO Box PO Box 1500,
Québec (QC)
G1K 8X9
We'd rather be up front with you: if you miss the 60-day deadline, insuring you won't be as easy. You'll need to complete a declaration of insurability (a medical questionnaire), and your enrolment is not guaranteed.
If your application for enrolment is submitted more than six months after the end of your participation in a group plan, it will unfortunately be denied.
This is a scenario best avoided, so cover your bases as soon as possible.
Once we review your file, we’ll send you written confirmation of enrolment by mail.
Yes, this is possible at two times: (1) at renewal or (2) following a life event. Both types of changes come with certain conditions though!
(1) At renewal
(2) Following a life event
A plan change or an addition or termination from the optional coverage supplement is always possible within 30 days following one of the life events described below:
The admission rules for the public prescription drug insurance plan differ based on your province of residence and your age. To find out if you’re eligible, please visit the website of the prescription drug insurance plan in your province of residence.
To sufficiently cover all participants, premiums must keep pace with the rising cost of healthcare. Fast fact: the average increase in healthcare costs is often significantly higher than the average inflation rate in Canada. For instance, inflation rates in 2018 for health insurance plans ranged from 5% to 15%.
So, premiums go up, but if you didn't have insurance, for example, you would also have paid more each year for your care. Basically, it's the cost of the entire healthcare system that increases over time.