What you need, when you need it
No monthly payments
Modern coverage process
Coronary bypass? Joint replacement?
C-section? Hernia repair?
We cover the majority of elective surgeries
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No medical exams
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Premiums depend on your age, procedure, and desired insurance coverage. Most of our premiums are under $100.
Accidental Death Insurance for Medical Procedures (ADIM) offers coverage for most elective surgeries. It covers the time from admission to discharge at $30k, $75k or $100k insurance benefits.
We cover hundreds of elective procedures which account for half of all procedures conducted annually. We will confirm whether or not your procedure is covered during the application process.
If your procedure is delayed, inform us at least 48 hours before your original admission date. If your procedure is scheduled earlier, inform us at least 48 hours before your new admission date.
Elective surgeries are medical procedures that can be booked in advance. They aren’t emergent, life threatening, critical, or sudden.
There is no medical exam or medical related questions other than identifying the surgery you are having.
You can email, call, message using the chat bot below or complete our contact form.
You have to sign up at least 48 hours before your surgery.
Individuals in Ontario aged 20-69 undergoing elective surgery can apply for Accidental Death Insurance for Medical Procedures (ADIM).
