Humania Critical Illness Insurance Review – Updated 2024


Humania Assurance is the most comprehensive critical illness insurance provider, offering coverage for up to 37 conditions, including several specific to children. Within their product line, you can choose basic (4 conditions) or enhanced (25 conditions) for coverage up to $1 million, with partial payouts for 3 conditions and options for Child Rider (7 additional conditions).


Humania Critical Illness Insurance rating and 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 conditions, including several that are specific to children. Humania also offers a compassionate allowance for grieving parents if that unfortunate situation does occur.

PolicyAdvisor Rating

Best Critical Illness Insurance for Children

AM Best Rating N/A


Pros and cons


  • Comprehensive conditions covered (25 full payout illnesses)
  • Multiple coverage terms available
  • Child product (Children360) with 37 covered conditions
  • Parental compassionate allowance
  • Return of premium options
  • Digital e-policy


  • Limited partial payment benefit (only 3 covered conditions)
  • No online access
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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.

Types of critical illness insurance policies Humania offers

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

Coverage and policy details

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 limited-pay options available only for permanent coverage.

Product Name Term Critical Illness
Critical Illness coverage Basic and Enhanced Coverage
Available Terms 10, 15, 20, 25, and 30 years and to age 75
Limited Pay option None
Maximum coverage Up to $1-million
Conditions covered Enhanced – 25 conditions, Basic – 4 conditions
Loss of Independent Existence coverage Yes
Partial payout conditions 3 Eligible Conditions
Partial payment or early detection payment Yes, 10% up to $10,000. Payable up to 4 times.
Childhood illnesses coverage 7 childhood illness covered
Survival period 30 days
Return of Premium on death Yes
Return of Premium on expiry/cancellation Yes. Available after the 15th year of coverage or age 65
Second option No
Electronic application Yes
Online account access No
Electronic policy delivery Yes

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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.

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Call us at 1-888-601-9980 or book time with our licensed experts.
By Jiten Puri
CEO & Founder, Insurance Advisor, LLQP
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