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Critical Illness Insurance

What is critical illness insurance?

What if you suddenly had to face a crushing medical crisis such as heart attack, cancer or stroke,
You would want to focus all your energies on getting well. What you wouldn’t want at a time like this is the added burden of a financial crisis in the face of many costs that would surface, not covered by traditional health or insurance plans. You’ll need some help to keep your life together while you focus on recovering.

Provincial medical plans and any private medical insurance may only pay for some of the medical bills, and who will pay for the significant non-medical expenses which arise during the recovery process? Unfortunately, your financial obligations don’t stop while you are convalescing.

With a Critical Illness Plan in place, you will receive a lump-sum tax-free payment, usually 30 days after the diagnosis of one of the covered illnesses. You choose the amount of coverage you need based on your needs.
This means you could receive a cheque for up to $2,000,000 depending on the coverage chosen. You could use this money for anything from paying day-to-day bills, to hiring private nursing care or needed child care, to taking a vacation to help you convalesce, to investing for future income. What you do with the money is entirely up to you.

A look at claims...
View the Canadian Statistics on individuals being diagnosed with a Critical Illness

We all like to think “it won’t happen to me”. But what if it did?

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