Critical Illness
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What is critical illness insurance?
Critical Illness Insurance (CII) is coverage that can help Canadians or those living in Canada pay the additional costs associated with life-altering illnesses like cancer, stroke, heart attack, and dementia.
Why do I need critical illness insurance?
If you’re diagnosed with a covered illness, your Critical Illness Insurance Coverage can help you pay for expenses that your provincial or territorial health plan doesn’t cover.
Many Canadians assume that their government health plan or workplace benefits plan will cover many of the medical costs associated with a life-altering illness. But these plans might not cover all the extra costs that come with managing a critical illness, such as home-care costs, travel and/or accommodation, lost work wages, childcare costs, gas, and meals. Over time, these expenses can add up.
With Critical Care Insurance, you can receive a lump-sum payment that you can use however you need so that you can focus on your recovery.
How does critical illness insurance pay out?
Let’s say you’re diagnosed with an illness covered by your policy and you meet all of the policy requirements (such as survival period). In such cases, you’ll receive a lump-sum payment once your claim is approved.
You can then use this money however you want and for any reason. For example, this can cover out-of-pocket expenses that may not be covered by your provincial or territorial health insurance, such as certain prescription drugs, mortgage, rent, short- or long-term care, etc.
How much critical illness coverage can you get?
We offer 2 critical illness insurance products: With or Without All Money Back. These products offer different amounts of coverage.
What does critical illness insurance cover?
It depends on the product you buy. Some policies will cover more critical illnesses than others.
Critical Illness Insurance covers illnesses such as cancer, organ transplant, heart attack, stroke, and more. But you won’t receive any coverage if you’re diagnosed with a disease or illness that’s not listed in your policy.
Get a Critical Illness Insurance Quote
To find the best Critical Illness Insurance Quote, compare different policies and coverage options. Getting a quote will help you understand the costs and benefits of various Critical Illness Insurance plans, ensuring you choose the one that best fits your needs.