Information for clients – COVID-19

Any questions?

Consult our FAQ

Last updated on May 8 at 3:30 p.m.

message-important-g7.svg

Important notice

Maintenance of our services
Although our branch offices are not currently open, your financial security advisor is available to answer any questions you may have. Contact your advisor, or call the regional office closest to you.

As always, we are there for you!

For the last 80 years or so, La Capitale and its employees have been committed to helping you protect what is most important to you. That commitment toward our clients and mutualists still holds. While we understand that nothing can replace human contract, we must adapt our practices to the unprecedented circumstances that we are currently experiencing.

Therefore, we kindly ask you to use our online services. They’re accessible everywhere, anytime.

  • Consult our FAQ to get answers to the most commonly asked questions about COVID-19 and to learn about our temporary service changes.
  • Get the contact information for our departments, so you can call us about any other need.

We wish to assure you that we are doing everything in our power to be there for you, in spite of the circumstances.

Frequently Asked Questions1

Free coverage in the event of hospitalization due to COVID-19

Other questions related to individual insurance products


Free coverage in the event of hospitalization due to COVID-19

What exactly is the free coverage that you are offering in the event of hospitalization due to COVID-19?

From May 11 to July 31, 2020, all insureds who are covered by an individual Critical Illness insurance policy may claim a lump sum of $2,000 if they or a member of their families (children under age 18 or spouse living at the same address as the insured) test positive for COVID-19 and are hospitalized for at least 48 consecutive hours.

Some conditions, exclusions, and restrictions apply.

If you have questions about the coverage, write to us!

I am insured against critical illnesses. If my two children are hospitalized for COVID-19, will I receive $2,000 per child, i.e. $4,000?

The offer of coverage in the event of hospitalization due to COVID-19 covers one insured or one member of the family per policy. Therefore, in this case, only one amount of $2,000 is payable.

I am insured against critical illnesses, and I share custody of my children. Are they covered if they are hospitalized due to COVID-19?

Yes, children under age 18 in a joint custody arrangement are covered if they usually live in the same residence as you at least 50% of the time during the course of a year.

I have insurance against critical illnesses, and I have been living with a new spouse for less than one year. If my new spouse comes down with COVID-19 and is hospitalized, will I receive the $2,000 benefit amount?

If you do not have a child with your new spouse and you have not lived together for more than one year, your spouse is not eligible for this coverage.

I have insurance against critical illnesses, and I was hospitalized due to COVID-19 for more than 48 consecutive hours before May 11, 2020. Can I claim the $2,000 benefit amount?

We hope you are feeling better. 

The coverage in the event of hospitalization due to COVID-19 is in effect as of May 11 to July 31, 2020. Only new hospitalizations occurring during this period are eligible for the coverage. 

I have insurance against critical illnesses, and I have been living with my spouse for more than one year. She has custody of her children, who live with us. If one of them becomes sick, can I claim the $2,000 benefit amount, even if they are not my own children?

Yes, if your spouse’s children live with you, they are covered by the $2,000 benefit.

My spouse and I are both insured against critical illnesses with La Capitale. If our child is hospitalized due to COVID-19, can we both claim $2,000?

No, only one $2,000 benefit is payable per hospitalized person.

Critical Illness insurance is included in my group insurance. Am I eligible for the free coverage in the event of hospitalization due to COVID-19?

No. Only clients with an individual Critical Illness insurance policy are eligible for this offer.

What is the process for filing a claim related to COVID-19?

A short form that must be filled out by you and your physician will be available on our website in the coming days.

If I test positive for COVID-19, am hospitalized and receive the $2,000 benefit amount, will that impact the insurance amount of my Critical Illness insurance policy or my reimbursement of premiums?

No. The lump-sum benefit of $2,000 for hospitalization due to COVID-19 does not affect the insured amount of your Critical Illness insurance policy nor the amount of any reimbursement of premiums.

I just took out a Critical Illness insurance policy with my advisor. Am I eligible for the free coverage in the event of hospitalization due to COVID-19?

Yes. You will be covered by it as soon as your policy goes into force until July 31, 2020.


Other questions related to individual insurance products

I had to stop working as a precautionary measure to comply with the guidelines issued by the government. Will I be compensated by my individual disability insurance coverage?

La Capitale intends to comply with the provisions of your insurance contract and the coverage provided under this contract with regard to the definition of disability. In general, contracts do not provide for benefit payments when a person is excused from work as a precautionary measure or for administrative purposes.

My employer has temporarily closed the company to comply with the guidelines issued by the government. Will I be compensated by my individual disability insurance coverage?

La Capitale intends to comply with the provisions of your insurance contract and the coverage provided under this contract with regard to the definition of disability. In general, contracts do not provide for benefit payments when a person is excused from work as a precautionary measure or for administrative purposes.

I would like to submit a claim, but, at the moment, I am not able to see my doctor, who is swamped with work due to the COVID-19 virus. What should I do?

Send us any information you have related to the claim as soon as possible (e.g. documents you need to fill out such as the claimant’s statement) so that we may quickly open your file.

If you are waiting for a medical appointment, please indicate the date on which this appointment has been scheduled so that we may easily follow up on your file. We will do what is required to begin the assessment of your file and obtain anything that may be missing to complete it.

If I file an individual insurance claim, should I expect a longer than normal processing time?

There are no longer delays expected at the moment since all our teams are operational.

However, there may be additional delays if you request medical documents from hospital centres that are currently overwhelmed. In such a case, the person responsible for your file will assess the situation and attempt to find a solution.

For more information about COVID-19 developments

Obtain information from reliable sources that are updated continuously, like the Government of Canada website.

1. The content of this FAQ is provided for information purposes only. In the event of a discrepancy, the clauses of your insurance contract prevail at all times.