Critical Illness

Critical illness insurance provides coverage normally until age 65 or 75. The benefit is paid as a lump sum should you be diagnosed with one of the illnesses defined in the policy, and you survives for a period of 30 days. Some policies provide a premium return option,  and the company returns the premiums paid if no claims have occurred at the end of the policy term. Many insurance companies give you access to top specialists in their fields so that you can get a second medical opinion, and understand the medical conditions or get more information on treatment options.

Critical illness insurance is a way to prevent financial hardship when dealing with a critical health crisis, and focus on your recovery knowing that you have the money to help with your expenses.

The illnesses covered differ between insurance companies,  and the  coverage may include the following critical illnesses:

Long Term Disability
  • Alzheimer’s Disease
  • Aorta Surgery
  • Benign Brain Tumour
  • Blindness
  • Cancer
  • Coma
  • Coronary Artery Bypass Surgery
  • Deafness
  • Dismemberment
  • Heart Attack
  • Heart Valve Replacement
  • Loss of Speech
  • Major Organ Failure
  • Major Organ Transplant
  • Motor Neuron
  • Multiple Sclerosis
  • Occupational
  • Paralysis
  • Parkinson’s
  • Severe Burns
  • Stroke

The policy may not cover pre-existing conditions, defined as a sickness suffered from or injury sustained by an insured person for which he or she sought or received medical advice, consultation, investigation, diagnosis, or for which treatment was required or recommended by a physician.

We work with major Canadian insurance companies to offer you the best rates on Critical Illness Insurance