Accidental Death and Dismemberment

Competitive member rates

The premiums remain level, meaning they do not increase with age, and are offered at a significant discount for members.

Exclusive plan design

The plan is specifically designed for physicians and includes a variety of features to meet diverse needs while staying within your budget. Over time, Doctors of BC has introduced new features, and increased coverage limits to ensure that you are well protected.

Portability

You may continue protection under Accidental Death and Dismemberment Insurance anywhere in Canada, US, or other approved country if you remain a Doctors of BC member. A nominal membership fee is charged if you are out-of-province. 

Association support

Doctors of BC is the leading insurance provider for doctors in the province and we are uniquely not-for-profit. Our commitment to members is reflected in many ways. An Insurance Committee, comprised of doctors like yourself, helps oversee the management of the plans to ensure they are protecting members well. A team of non-commissioned, licensed advisors are available to provide unbiased and expert advice. Additionally, if you are in the unfortunate circumstance of needing to make a claim, your association will be by your side to support you.

Coverage amount 

$100,000 - $2,000,000 tax-free lump sum benefit (Principal Sum), in $100,000 increments.

Family coverage 

If you choose the family coverage option, your dependents will be covered as follows:

• You – 100% of the principal sum you selected
• Spouse only (no dependent children) – 50% of the principal sum
• Spouse and dependent children – spouse 40% of the principal sum, each dependent child 10% of the principal sum
• Dependent children only (no spouse) – each dependent child 15% of the principal sum

What is covered

Included features

Here is a selection of the many additional benefits included in the plan at no extra cost. For a complete list, detailed information, and maximum limits, please refer to the brochure. In most instances, "You" refers to yourself, your covered spouse, and your covered dependents.

Air travel

You are covered while riding as a passenger in (but not while operating, learning to operate or servicing as a member of a crew of) most aircraft flown by a licensed pilot. Some exclusions apply.

Rehabilitation benefit

If you sustain a covered loss and must undergo training to engage in a new occupation, the insurer will reimburse training expenses.

Repatriation benefit

If a covered death occurs more than 50 kms from your residence, the insurer will reimburse expenses for transportation to your place of residence and preparation for burial/cremation.

Home alteration and vehicle modification benefit

If you require a wheelchair due to a covered injury, you can receive reimbursement for the one-time costs of home and/or vehicle modifications for wheelchair accessibility.

Rehabilitative physical therapy benefit 

If you are injured in a covered accident and the attending physician prescribes rehabilitative physical therapy, the insurer will reimburse you.

Spousal retraining benefit

If you die due to a covered accident, your spouse will be reimbursed for reasonable expenses incurred for formal occupational training if they were not gainfully employed prior to the accident.

Hospital confinement 

If you are hospitalized because of a covered injury for at least one day, you receive 1% of your principal sum for each full month of confinement.

Daycare benefit 

If you die due to an accident and your children under the age of 13 require daycare within the following year, daycare expenses up to 5% of your principal sum are covered for each child. 

Child enhancement benefit 

If a covered child sustains a covered injury within one year of the accident, the insurer will pay two times the schedule amounts up to a maximum of $200,000.

Bereavement benefit 

If you die because of a covered accident, your family is eligible for reimbursement for six grief counselling sessions.

Critical disease benefit 

If you are age 64 or under and are diagnosed with any of the following diseases, you receive up to 5% of your Principal Sum up to a maximum of $25,000:

• Acute Poliomyelitis 
• Acute Rheumatic fever 
• Amyotrophic Lateral Sclerosis (ALS) 
• Encephalitis
• Huntington’s disease 
• Meningococcal Meningitis 
• Necrotizing Fasciitis 
• Parkinson’s disease 
• Tuberculosis
• Typhoid fever 
• Yersinia Pestis 

Psychological therapy benefit 

The insurer will increase the benefit amount payable for a covered injury up to a maximum of $5,000 to reimburse treatment or counseling expenses for psychological therapy as determined by a physician. 

Seat belt benefit

The insurer will increase the benefit amount payable for a covered car accident by an additional 10%, provided that:

1. the loss occurs while the Insured Person is a passenger or driver of a private passenger type vehicle; 
2. the seat belt is properly fastened; and 
3. verification of the actual use of the Seat Belt is part of the official report of the accident or certified by the investigating officer; and
4. the driver was licensed and not under the influence of an intoxicant.

You are eligible to apply for this coverage if you are:

• a member of Doctors of BC or the Yukon Medical Association; and
• under age 69.

Your spouse and dependents are included under family coverage if they meet the eligibility criteria:

• A spouse must be under age 74 and is either a lawful spouse or partner who immediately prior to the loss resided with you for at least one year.
• A dependent child must be an unmarried child who is age 20 or under, or under age 25, unmarried, not regularly employed on a full-time basis, and is in full-time attendance in post-secondary education. There is no age limit for an unmarried child who is incapable of self-support due to a mental disability or physical handicap.

Guaranteed eligibility

Evidence of insurability is not required so you and your spouse and/or dependents will be approved regardless of health history or lifestyle.

Applying

Complete the Accidental Death and Dismemberment online form.

The application process

Upon submitting your online form, our insurance team may email you if clarification is required. Once your application is in good order, you will be requested to provide your signature via DocuSign. Your application is then forwarded to the insurer for review.

As evidence of insurability is not required, coverage is typically approved within three business days.

Book a free consultation

A licensed, non-commissioned Doctors of BC Insurance Advisor can assess your situation and give you personalized recommendations and quotes. Contact an advisor.

Learn more

Read the Accidental Death and Dismemberment Plan Brochure.