Insurance Insurance 歡歡迎迎和和我我們們聯聯繫繫 critical criticalillness illness 給 給 障 障 coverage. coverage.,, 6060 Yonge Yonge Street, Street, Toronto, Toronto, ONON M5E M5E 1H5 1H5 Quebec Quebec Atlantic Atlantic 1-866-217-0514 1-866-217-0514 危危 疾疾 Underst Underst 解 解危 危疾 疾 For more more about Insurance or即 or our聯 our products, products, with with 欲For 欲 進 進 一 一 步 步 解解 有有 關about 關 本 本 計 計 劃 劃 詳Insurance 詳 情 情 請請 即 聯 絡 絡 理please 理 財please 財 顧顧 問 問 advisor advisor or or contact contact us us at: at: 或或 致致 電電 我我 們們 : : Ontario Ontario 1-800-608-7303 1-800-608-7303 Critical Critical Illness Illness Western Western 1-877-877-1272 1-877-877-1272 bmo.com/advisor bmo.com/advisor Insurance Insurancecovers 滿covers 滿地地可可 you 銀you 銀行行 危for 危疾 系系列列 障 障範範圍圍 for a疾a number number critical critical illness illnessconditions. conditions. 內內 文文 詳詳 列列 受受 危危 疾疾 定定 義義 See Seeinside insidefor fordefinitions. definitions. 本 文本內文容內只容供只說供明說用明途用 途如 有如修有改修 改恕 不恕另不行另通行知通 知 Insurer: Insurer: 公司公: 司 : 滿 地滿可地銀可行銀人行壽人壽公司公 司 TM/ TM/ 滿 地滿 可地銀可行銀註行冊 冊 標特 特 用使 用 Trademarks Trademarks 註商Bank 標商Bank 許Montreal. 使許Montreal. 227C 227C (2015/11/02) (2015/11/02) 09/15-1311 09/15-1311 The this publication publication is括 is intended intended as a和 a或 our our products /or /or include include projected 本The 刊 物 提提 供供 in 信in 息this 僅 作作 為為 概概 括 我 們們 產產 品as 和 /summary 服服 務務 簡 介 products 對對 未未 來 之之 有services 關services 預預 測 均 包 含 假 設設 因因 素projected 本 刊 物 信 息 僅 我 品 /summary 或 簡 介 來 有 關 測 均 包 含 假 素 values values based based on on a set a set assumptions. assumptions. Actual Actual results results not not be be guaranteed guaranteed vary. vary. Please Please 實實 際際 結結 果果 並並 非非 證證 或或 可可 能能 有有 異異 請請 參參 閱閱 相相 關關 單單 詳詳 情情 條條 款款 條條 件件 賠賠 償償 障障 免免 除除 條條 款 和和 款 policy contract for details details terms, terms, conditions, benefits, exclusions exclusions limitations. limitations. The actual policy policy 限policy 制制 contract 內內 容容 概for 以 實實 際on on 單 為 準準 conditions, 各 投投 人benefits, 財財 務guarantees, 狀guarantees, 況況 因因 人人 而 異異 他他 們 必 須 諮諮 詢詢 獨The 立 actual 稅稅 務 會issued 限 概 以 際 單 為 各 人 務 狀 而 們 必 須 獨 立 務 會issued governs. Each Each policyholder s policyholder s financial financial circumstances unique unique y y must must obtain obtain rely rely tax, 計governs. 法法 律 等等 意 見見 去去 訂訂 定定 合 適適 他他 們circumstances 計計 劃are are 滿 地 可 銀upon 行upon 人independent 壽independent 公公tax, 計 律 意 合 們 劃 滿 地 可 銀 行 人 壽 accounting, legal or advice concerning structure structure,, as as y y deem deem forfor particular particular 司accounting, 並並 不不 提提 供legal 任任 何 此or 類 意advice 見 予予 投concerning 人人 或或 顧 問問 司 供 何 此 類 意 見 投 顧 circumstances. circumstances. does does notnot provide provide any any such such advice advice to to policyholder policyholder or or to to advisor. advisor.
Living Benefits Living Benefits 30 Aortic Surgery Aplastic Anemia Insurance Bacterial Meningitis Benign Brain Tumour 2 11
30 Coronary Angioplasty Early Breast Cancer Early Prostate Cancer T1A T1B Early Skin Cancer Early Stage Blood Cancer Rai Early Stage Intestinal Cancer AJCC (GIST) Early Thyroid Cancer T1 Rai (The term Rai staging is to be applied as set out in KR Rai, A Sawitsky, EP Cronkite, AD Chanana, RN Levy BS Pasternack: Clinical staging chronic lymphocytic leukemia. Blood 46:219,1975.) 2010(The terms Tis, Ta, T1a, T1b, T1 AJCC Stage 2 are to be applied as defined in American Joint Committee on Cancer (AJCC) cancer staging manual, 7th Edition, 2010.) (coronary angioplasty) Blindness Cancer (-Threatening) (Tis), Ta 10 3
Cancer (-Threatening) T1a T1b T1 Rai 1 AJCC (GIST) 7 2010 ( terms Tis, Ta, T1a, T1b, T1 AJCC Stage 2 are to be applied as defined in American Joint Committee on Cancer (AJCC) cancer staging manual, 7th Edition, 2010.) Rai ( term Rai staging is to be applied as set out in KR Rai, A Sawitsky, EP Cronkite, AD Chanana, RN Levy BS Pasternack: Clinical staging chronic lymphocytic leukemia. Blood 46:219, 1975.) Coma (Glasgow) Coronary Artery Bypass Surgery Severe Burns Stroke (Cerebrovascular Accident) Deafness 4 9
c) HIV d) HIV e) HIV HIV HIV (IV) Dementia, including Alzheimer s Disease (MMSE) MMSE Paralysis (MMSE)(The Mini Mental State Exam is to Folstein MF, Folstein SE, McHugh PR, J Psychiatr Res. 1975;12(3):189.) Parkinson s Disease Specified Atypical Parkinsonian Disorders Specified Atypical Parkinsonian Disorders Heart Attack (ECG) (ECG) 8 5
Heart Valve Replacement or Repair Major Organ Failure on Waiting List Kidney Failure Loss Independent Existence Major Organ Transplant Motor Neuron Disease ALS Multiple Sclerosis (MRI) Loss Limbs Loss Speech Occupational HIV Infection (HIV) a) b) HIV (HIV) HIV HIV 6 7