Humania
Regarding Humania
Humania Assurance Inc. is a Quebec-originated insurance firm with a nationwide distribution of its products. Its central office is situated in Saint-Hyacinthe.
Humania ranks among the longest-standing and most reputable insurance companies in Canada.
Established in 1874 under the name Survivance, a mutual life insurance corporation, it was formed by Union Saint-Joseph de Saint-Hyacinthe, a mutual assistance organization. Functioning as a mutual insurance entity, La Survivance's objective was to assist its policyholders in fulfilling their financial commitments, particularly in cases of health issues, accidental disability, or death.
In 2012, as it entered its 75th year, La Survivance underwent a division, resulting in two distinct entities, with one rebranded as Humania. This rebranding aimed to adopt a bilingual name aligning more closely with the company's core human values. Despite industry trends favoring consolidation, Humania stood out by opting to focus its operations primarily on life and health insurance.
Humania, distinguished for accolades and honors, is a company Canadians can rely on. Positioned among the Top 100 finest small and medium-sized enterprises, Humania prioritizes the welfare of its approximately 200 employees.
Emma + Humania
Humania Assurance Inc. is the provider behind our Emma life insurance product. Since November 2019, Emma and Humania have been collaborating in partnership to transform the industry.
Humania's objective
Humania's objective is to devise and provide health insurance offerings that prioritize innovation to cater to the evolving requirements of Canadians, ensuring insurance is accessible in terms of price, market, eligibility, product type, purchasing process, approach, and comprehension.
Aligned with their mission, the mutual insurance company introduced its HuGO platform in 2017, a swifter method to evaluate the requirements of its clients.
Humania's perspective
To emerge as a pivotal figure in the curation of consumer health insurance products.
For Humania, it is feasible to maintain a contemporary and vibrant insurance company identity despite being 75 years old.
As a mid-sized mutual insurance firm, it is assured that it can provide innovative products that rival those of the largest insurance entities in the Canadian market.
With a rise in gross premium income, the Quebec insurer appears poised to continue as a significant contender.
Humania's principles
- Revolution, the sole route to a promising future.
- Compassion, integral to their shared company culture.
- Collaboration, the capacity to rely on their teammates and demonstrate unity.
- Proficiency, their utmost capability.
- Honesty, fundamental to the connection of trust between Humania and its clients.
In alignment with its core principles, Humania actively promotes the advancement of social, economic, and environmental well-being in the communities it serves. Whether through financial investments or dedicated human resources, the company takes pride in facilitating tangible initiatives.
Expanding while honoring its principles
Humania plans to advance its growth while remaining rooted in its origins. Its ongoing commitment continues to prioritize assisting its members through the provision of premium products and exceptional service. The company's current objective is to further penetrate markets across all Canadian provinces. Achieving this goal will hinge on upholding the fundamental principles that have steered it over the past 75 years.
Participation in the community
The company and its employees readily deploy their expertise to support young people and humanitarian and charitable organizations.
Annually, the workforce of the company collaborates to engage in Centraide Richelieu-Yamaska's yearly initiative. The efficacy of their efforts relies on the benevolence of their staff, their involvement in coordinated events, and the substantial support from the company.
In addition, the insurance firm and its staff have consistently ranked as leading corporate contributors in the broader Richelieu-Yamaska area over the years.
In alignment with its mutualist principles, Humania has consistently backed the initiative aimed at fostering professional conduct since 2000. This event is coordinated by the Cégep de Saint-Hyacinthe for students across various programs. Moreover, to aid students facing financial hardship, the organization has actively participated in the fundraising efforts of the Fondation du Cégep de Saint-Hyacinthe.
Additionally, Humania is a primary supporter of the Health Bike Challenge arranged by the Fondation du centre d'hébergement de l'Hôtel-Dieu de Saint-Hyacinthe.
Life insurance products
Life assurance provides security for your family, ensuring they remain financially stable in the unfortunate event of your passing. It involves a contract between you and Humania, ensuring that upon your demise, the agreed-upon sum is disbursed. Humania presents various options tailored to your needs.
Term Life Insurance
Several attributes of this life insurance:
- Humania offers a renewable term life insurance product for individuals aged 0 to 70 that adjusts to your requirements, with renewable coverage available at ages 10, 15, 20, 25, 30, and 80.
- Term life insurance plans at Humania offer coverage ranging from $50,000 to $2,000,000.
- Your term life insurance coverage ceases on the policy anniversary date in the year you reach 80.
- You have the option to include up to eight riders to your life insurance policy. Additionally, you can convert your term life insurance to a permanent life insurance policy before reaching age 65.
- The new premium will be determined by the insured individual’s age, the prevailing premium rates at the time of conversion, and the insured individual’s risk classification.
Life insurance without medical evaluation
Individuals facing unique circumstances have encountered denials for life insurance coverage. This Humania Insurance life insurance offering is customized for individuals aged 18 to 70 who encounter challenges securing life insurance due to medical or other factors.
To proceed, kindly respond to the six inquiries necessary for eligibility. Coverage will commence promptly upon receipt of your application by the insurer.
Life insurance coverage without a medical examination enables you to purchase immediate, straightforward, and readily accessible coverage.
Several attributes of this life insurance:
- Coverage in the event of death up to $300,000
- Instant safeguard
- Insurance rate determined by your current age
- Enables purchase of critical illness and disability coverage
- Assured policy renewal until age 80
Survidor Life Insurance
Survidor Life Insurance offers straightforward and assured life coverage for individuals aged 25 to 75. The coverage amount ranges from $1,000 to $15,000. Moreover, the insured sum receives a 20% increase following the 16th year of your policy.
Several attributes of this life insurance:
- Similar to life insurance without medical examination, Survidor doesn’t necessitate any medical screening.
- The policy provides fixed premiums guaranteed for 25 years.
- If you experience natural death within the first year, your beneficiaries will receive a refund of the premiums paid.
- This offers immediate life coverage, effective upon receipt of your policy.
- Premiums can be paid monthly or annually.
Prodige Insurance
Humania provides an extensive selection of offerings, encompassing health and critical illness insurance.
One of these offerings, Prodige insurance, integrates life insurance with critical illness coverage, designed to safeguard you and your family in the event of a diagnosis of a critical ailment like cancer, stroke, or heart attack.
With Prodige, you'll be granted a lump sum (ranging from $25,000 to $1,000,000) if you're diagnosed with any of the illnesses specified in your insurance. The coverage is adaptable: you can opt to include between 4 to 25 illnesses. To claim the insured amount, you select the life insurance rider, rendering Prodige an ideal coverage for both life and health insurance needs.
You have the option to pay your premiums for life, for 20 years, or until reaching 65 years of age.
Childrens 360
Childrens 360 is a critical illness insurance plan designed to spare you from making agonizing decisions if your young child is diagnosed with a covered illness. This coverage is applicable for children aged between 30 days and 15 years.
Several features:
- Insurance protection ranging from $10,000 to $50,000;
- Safeguarding against 37 conditions and critical illnesses, including several tailored to children;
- Assured fixed premium rate until age 75;
- Insurance proceeds disbursed directly to parents;
- Swift online quotation and immediate issuance.
You have the option to select between two types of coverage: Critical Illness Insurance or Critical Illness and Life Insurance.
Childrens 360 also provides you with complimentary access to the Best Doctors Network, a distinguished medical support and resource service.
5575 Health Insurance
5575 Health Insurance is a policy that safeguards you against healthcare expenses not included in provincial health insurance. Three distinct options are offered: Cancer coverage, hospitalization coverage, and medical expenses coverage.
Cancer insurance
This policy will furnish you with a benefit of up to $75,000. This plan encompasses both minor and major cancers.
Several features:
- The benefit sum fluctuates from $5,000 to $75,000 for a significant cancer;
- For a minor cancer, you will obtain 15% of the insurance sum;
- In the event of demise, you will obtain 15% of the insurance sum;
- Your premiums are secured for 10 years;
- You have the option to include up to five riders to cover additional prevalent illnesses and surgeries.
Hospitalization Insurance
An insurance policy tailored to cover costs not included in public health insurance.
Several features:
- Enjoy a daily benefit of up to $150.
- If you require intensive care unit hospitalization, your benefit will be doubled.
- You’re eligible for benefits covering day surgery, hospital recovery, and rehabilitation center stays.
- Payments are tax-exempt when hospitalized in Canada.
Medical Expense Insurance
A growing number of Canadians find themselves without access to their group insurance upon retirement. This insurance offering aims to furnish lifelong coverage for medical expenses, amounting to a maximum of $10,000.
Several features:
- Obtain up to $40 per session with a health care professional.
- Obtain unlimited benefits for ambulance transportation.
- Obtain up to $1,000 for services such as diagnostics and laboratory fees.
- Obtain up to $1,000 for casts, slings, and hernia bands.
- Obtain up to $500 for your hearing aids.
- Obtain up to $500 for dental care caused by an accident.
HUMANIA ASSURANCE
HUMANIA INSURANCE
