A&S Critical Illness, LTC, Health & Travel question: policy includes the usual 90-day moratorium on cancer

A&SCritical Illness, LTC, Health & Travel

Lin, 42, a teacher in Saskatoon, bought an individual critical illness policy 60 days ago. She recently noticed a lump, and tests now lead to a breast cancer diagnosis that meets the policy definition. Her policy includes the usual 90-day moratorium on cancer, counted from the policy's effective date. What is the likely result of a cancer claim?

A The claim is paid after 90 days
B The full benefit is paid
C The cancer claim is excluded
D Half the benefit is paid

Show the answer and explanation

Answer: C. The cancer claim is excluded

Many CI policies exclude cancer if signs, symptoms or investigations leading to the diagnosis occur within the first 90 days after the policy takes effect (a moratorium period). Lin's symptoms arose at day 60, so the cancer claim is excluded and the insurer typically excludes that cancer going forward. Source: standard Canadian critical illness, long-term care and health contract wording (industry practice, as at 12 Oct 2026); CISRO LLQP Curriculum (May 2015), Accident and Sickness module, component 2.1.

Common mistake

Ignoring the moratorium on early cancers.

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Related A&S practice questions

Ahmed, 55, an accountant in Mississauga, owns a critical illness policy that defines heart attack using specific medical criteria, including blood test results and new ECG changes. After chest pain, his cardiologist diagnoses a minor cardiac event that does not meet those criteria, and Ahmed recovers quickly. He files a claim. What happens?Ben, 58, a plumber in Fredericton, owns a $150,000 critical illness policy and a separate $250,000 term life policy. He suffers a heart attack that meets the CI policy's definition and dies 12 days later. His CI policy has a 30-day survival period and no return of premium rider. What does the CI policy pay?Leah, 42, is a dental office manager in Moncton earning $1,000 a week in insurable earnings. She has no group disability plan at work. After knee surgery in March 2026 she is off work for 10 weeks, has a medical certificate and has more than 600 insured hours in the past year. What is her maximum weekly EI sickness benefit?

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Original study material mapped to the public CISRO curriculum; not a real test question.Not affiliated with CISRO, CCIR or any provincial insurance regulator. Verify figures and rules against current guidance before relying on them.