Your source for data driven advice on insurance and personal finance.

Humania Critical Illness Insurance Review

by Mark Cluett
4 min read

Best Critical Illness Insurance for Children


Humania Assurance Inc

AM Best
financial strength rating Rating

Best Critical Illness Insurance for Children


Foresters Life Insurance

AM Best
financial strength rating Rating

Humania Critical Illness Insurance Review

If you’re looking for a policy that offers the most comprehensive coverage that also includes children, Humania is the company to beat. Humania’s Children360 critical illness covers 37 covered conditions, including several that are specific to children. Humania also offers a compassionate allowance for grieving parents if that unfortunate situation does occur.


  • Comprehensive conditions covered (25 full payout illnesses)
  • Multiple coverage terms available
  • Child product with 37 covered conditions
  • Parental compassionate allowance
  • Return of premium options


  • Limited partial payment benefit (only 3 covered conditions)
  • No lifetime coverage
  • No limited pay options
Product NameTerm Critical Illness
Critical Illness coverageBasic and Enhanced Coverage
Available Terms10, 15, 20, 25, and 30 years and to age 75
Limited Pay optionNone
Maximum coverageUp to $1-million
Conditions coveredEnhanced - 25 conditions, Basic - 4 conditions
Loss of Independent Existence coverageYes
Partial payout conditions3 Eligible Conditions
Partial payment or early detection paymentYes, 10% up to $10,000. Payable up to 4 times.
Childhood illnesses coverage7 childhood illness covered
Survival period30 days
Return of Premium on deathYes
Return of Premium on expiry/cancellationYes. Available after the 15th year of coverage or age 65
Second optionNo
Electronic applicationYes
Online account accessNo

Who is Humania?

With a history dating back to 1874, when it was founded by a Catholic bishop, this Quebec-based company spun off its insurance business in 2012 and rebranded as Humania Assurance. The company is an active member of SOCODEVI (société de coopération pour le développement international) which brings cooperative, sustainable job creation to global developing communities.

Does Humania sell critical illness insurance?

Yes. Humania offers critical illness insurance. It is aptly named Term Critical Illness and is available with basic (4 conditions) or enhanced (25 conditions) coverage.

What critical illness insurance coverage does Humania offer?

Humania’s maximum coverage for critical illness insurance is $1-million. 

They offer coverage for loss of independent existence. They offer partial payouts for 3 different conditions. The payout is typically 10% of the policy up to $10,000, and partial payments can be claimed four times during the coverage period.

Humania survival period (how long you must survive with the illness before you can collect your benefit) is 30 days.

Humania offers critical illness insurance for a 10-, 15-, 20-, 25-, and 30-year terms or coverage up to 75 years of age.

There are no limited-pay options available.

Does Humania critical illness insurance offer a return of premiums?

Yes, Humania offers a return of premiums on death and a return of premium on expiry or cancellation of the policy after its 15th year or when the policyholder turns 65.

How do I apply for Humania’s critical illness insurance?

You can apply for Humania’s critical illness insurance using the best online life insurance broker in Canada. You can enter your information and look up quotes using the button below or schedule a call with one of our licensed brokers to apply for Humania’s critical illness insurance.

The information above is a brief representative summary for indicative purposes only. It does not include all terms, conditions, limitations, exclusions, termination and other provisions of the policies described, some of which may be material to the policy selection. Please refer to the actual policy documents for complete details. In case of any discrepancy, the language in the actual policy documents will prevail. A.M. Best financial strength ratings displayed above are not a warranty of a company’s financial strength and ability to meet its obligations to policyholders.

Related Articles