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# What is considered a Critical Illness under TELUS Bill Payment Protection?

###### What is a Critical Illness?

If you have an active **TELUS Bill Payment Protection** plan, you may be eligible for benefits if you are diagnosed with one of the covered critical illnesses after your coverage becomes effective and all policy requirements are met.

A diagnosis alone does not automatically qualify for benefits. Claims are reviewed based on the terms of the Certificate of Insurance.
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**Covered Critical Illnesses**

The following conditions are covered:

* **Cancer** (life-threatening)
* **Heart Attack** (acute myocardial infarction)
* **Stroke** (cerebrovascular accident)
* **Coronary Artery Bypass Surgery**
* **Major Organ Failure requiring Transplant**
* **Major Organ Transplant**
* **Kidney Failure**
* **Multiple Sclerosis**
* **Paralysis**
* **Blindness**
* **Deafness**
* **Loss of Speech**
* **Aortic Surgery**
* **Benign Brain Tumour**
* **Coma**
* **Loss of Limbs**
* **Motor Neuron Disease** (including ALS)
* **Parkinson's Disease and Specified Atypical Parkinsonian Disorders**
* **Severe Burns**
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**Important to know**

Being diagnosed with one of the conditions listed above does **not** automatically mean a benefit will be paid.

To qualify:

* Your coverage must have been active before the diagnosis.
* Your condition must meet the definition in the Certificate of Insurance.
* Your claim must satisfy all policy terms, conditions, and exclusions.

Each claim is reviewed individually.