Humania

Products & Services

• HuGO Term Life Insurance

  HuGO Term Life Insurance is a term life insurance product from Humania Assurance designed to provide flexible and affordable financial protection for individuals, families, homeowners and business owners. Coverage is available from $50,000 to $5,000,000 with multiple term options, including T10, T15, T20, T25, T30, T80 and T100, allowing clients to select protection that fits their long-term needs. Its intelligent digital application platform enables most eligible applicants to receive an underwriting decision in as little as 15 to 45 minutes, making the application process fast and convenient. The policy also offers guaranteed renewability, conversion and exchange privileges, along with optional additional coverages. Coverage, eligibility, terms and conditions are subject to Humania Assurance policy provisions.

• Children's Critical Illness Insurance

  Specialized critical illness coverage designed to help protect children by providing a lump-sum benefit upon the diagnosis of a covered childhood critical illness, helping families focus on recovery rather than financial concerns.

• IWME Life - Insurance Without Medical Exam

  IWME Life is a term life insurance product from Humania Assurance designed for individuals who want life insurance without completing a medical examination. The product offers both Simplified Issue and Guaranteed Issue options, providing fast access to coverage for clients with a wide range of health profiles. Eligible applicants can obtain up to $1,000,000 of coverage without a medical exam through the Simplified Issue option, while Guaranteed Issue coverage is also available for those who may not qualify through traditional underwriting. The application process is quick, with only a few eligibility questions and instant policy issuance for qualifying applicants. Coverage is subject to eligibility requirements and the applicable policy terms and conditions.

• Children360 Insurance

  Children360 Insurance is a children's life and living benefits insurance product from Humania Assurance designed to provide financial protection for children while helping families prepare for the future. The policy combines life insurance with optional living benefits, allowing coverage to begin early in life and continue as a child grows into adulthood. One of its key advantages is the ability to secure insurability at a young age, regardless of future changes in health, while providing flexible options that can adapt to evolving family needs. The product also offers optional riders and additional benefits to enhance protection. Coverage, eligibility, policy features and optional benefits are subject to the terms, conditions and limitations of the policy.

• Disability Insurance

  Disability Insurance is an income protection insurance product from Humania Assurance designed to replace a portion of an insured person's income if they become unable to work because of a covered illness or injury. The product helps individuals, self-employed professionals, business owners and employees maintain financial stability by providing monthly benefits during periods of disability. Its flexible benefit options, customizable waiting periods and coverage durations allow clients to tailor protection to their personal and financial circumstances. Optional riders are available to enhance coverage and adapt the policy to changing needs over time. Coverage, eligibility, benefit amounts and policy features are subject to the applicable policy terms, conditions, limitations and exclusions.

• Prodige Critical Illness Insurance

  Prodige Critical Illness Insurance is a critical illness insurance product from Humania Assurance that provides a lump-sum benefit upon the diagnosis of a covered critical illness. Designed for individuals, families and business owners, the policy helps reduce the financial impact of serious health conditions by allowing clients to use the benefit however they choose, including covering medical expenses, replacing lost income or supporting everyday living costs. A key advantage of Prodige is its comprehensive coverage for 25 covered critical illnesses together with access to medical support services, giving policyholders financial flexibility during recovery. Optional benefits are available to tailor coverage to individual needs. Coverage, eligibility and benefits are subject to the applicable policy terms, conditions, limitations and exclusions.

• ProHealth Income Insurance – Accident and Sickness

  ProHealth Income Insurance – Accident and Sickness is an income protection insurance product from Humania Assurance designed to replace a portion of an insured person's income if they become unable to work because of a covered accident or illness. The product is suitable for employees, self-employed professionals, business owners, seasonal workers, part-time workers, students and retirees, offering flexible coverage to match different lifestyles and occupations. One of its most distinctive features is that it is available for all occupations with customizable waiting periods, built-in critical illness coverage and monthly benefits of up to $10,000, providing comprehensive financial protection during periods of disability. Clients can also choose from multiple plan options and optional premium refund features. Coverage, eligibility, benefit amounts and policy provisions are subject to the applicable policy terms, conditions, limitations and exclusions.

• ProHealth Payment Insurance – Accident and Sickness

  ProHealth Payment Insurance – Accident and Sickness is a payment protection insurance product from Humania Assurance designed to help clients continue paying their essential financial obligations if they become disabled due to a covered accident or illness. The policy can reimburse a wide range of eligible personal, business and overhead expenses, including mortgage payments, rent, minimum credit card payments, commercial loans and other qualifying financial commitments. One of its most valuable features is the ability to reimburse up to $10,000 per month for eligible expenses on a single contract while accepting all occupations with no restrictions for self-employed or home-based workers. Clients can also benefit from optional Return of Premium features and the opportunity to add eligible expenses over time. Coverage, eligibility, benefit amounts and policy features are subject to the applicable policy terms, conditions, limitations and exclusions.

• ProHealth Hospitalization Insurance

  این محصول یک بیمه بستری در بیمارستان از شرکت هیومانیا است که در صورت بستری شدن بیمه‌شده به دلیل بیماری یا حادثه تحت پوشش، مبلغی را به‌صورت روزانه پرداخت می‌کند. این مبلغ مستقیماً به بیمه‌شده پرداخت می‌شود و می‌تواند برای هر نوع هزینه‌ای مانند جبران کاهش درآمد، هزینه رفت‌وآمد، مراقبت از فرزندان، پرداخت قبوض یا سایر هزینه‌های پیش‌بینی‌نشده در دوران بستری مورد استفاده قرار گیرد. یکی از مهم‌ترین ویژگی‌های این بیمه، پرداخت نقدی روزانه بدون محدود شدن به هزینه‌های درمانی یا نیاز به ارائه رسید هزینه‌ها است؛ بنابراین بیمه‌شده می‌تواند سرمایه دریافتی را مطابق نیاز خود مدیریت کند. این محصول با گزینه‌های مختلف پوشش ارائه می‌شود تا افراد بتوانند متناسب با نیاز و بودجه خود از حمایت مالی بیشتری برخوردار شوند. شرایط صدور، میزان مزایا و سایر مفاد بیمه‌نامه مطابق با شرایط و ضوابط شرکت هیومانیا تعیین می‌شود.

• ProHealth Medical Expense Insurance

  ProHealth Medical Expense Insurance is a supplemental health insurance product from Humania Assurance designed to help cover eligible medical expenses that are not reimbursed by provincial health insurance plans. It is an ideal solution for self-employed individuals, retirees, contract workers and people without group benefits who want additional financial protection for everyday healthcare costs. One of its most valuable features is lifetime coverage of up to $10,000 for eligible medical expenses, with no medical examination required and instant online policy issuance for qualified applicants. Clients can choose between Accident Only or Accident and Illness coverage to match their needs. Coverage, eligibility, reimbursement limits and policy features are subject to the applicable policy terms, conditions, limitations and exclusions.

• ProHealth Income Insurance – Accident

  ProHealth Income Insurance – Accident is an income protection insurance product from Humania Assurance designed to provide monthly income replacement if an insured person is unable to work because of a covered accident or musculoskeletal injury. The product is suitable for employees, self-employed professionals, business owners, seasonal workers, part-time workers, students and retirees, including individuals who may have difficulty qualifying for traditional disability insurance. Its most distinctive advantage is instant online issue with no medical examination, only one health question and eligibility for all occupations, making income protection simple and accessible for a broad range of clients. The policy also offers flexible benefit options, guaranteed renewability and optional Return of Premium benefits. Coverage, eligibility, benefit amounts and policy features are subject to the applicable policy terms, conditions, limitations and exclusions.

• ProHealth Cancer Insurance

  ProHealth Cancer Insurance is a cancer insurance product from Humania Assurance designed to provide a tax-free lump-sum benefit following the diagnosis of a covered major cancer. The benefit can be used for any purpose, including medical treatments, travel expenses, household bills, income replacement or other financial needs during recovery. One of its most distinctive features is that it requires no medical examination, can be issued instantly, and provides up to $75,000 in coverage with a fixed premium for 10 years. Clients may also add an optional benefit covering five additional critical illnesses, extending their financial protection beyond cancer. Coverage, eligibility, benefit amounts and policy provisions are subject to the applicable policy terms, conditions, limitations and exclusions.

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