CRITICAL ILLNESS INSURANCE

HomeCRITICAL ILLNESS INSURANCE

Chances are, you will survive!  But will your finances survive a critical illness?

Have you considered how an unexpected illness might affect your financial security planning?  Your money may not be used how you intended.   Critical illness insurance gives you the financial freedom to make your own decisions about your health and the peace of mind to focus on your recovery, if you’re diagnosed with a covered critical illness.

how critical illness insurance works

The impacts of a serious illness like cancer, a heart attack, stroke or a condition caused by an accident can be life-changing.  Critical illness insurance pays a tax-free benefit no matter what happens:

  • If you’re diagnosed with one of the 26 covered critical illnesses and conditions including long-term care, you receive your insurance amount, which you can spend based on your needs, regardless of your ability to work
  • If you die, you can opt for your beneficiary to receive the higher of:
    – 100% of the premiums paid or
    – 25% of the amount insured
  • If you remain in good health, you can get back up to 100% of the premiums you’ve paid (depending on the option you’ve selected)

covered illnesses & conditions

cancers & tumors

  • Benign brain tumor
  • Cancer (life-threatening)

cardiovascular

  • Aortic surgery
  • Coronary artery bypass surgery
  • Heart attack
  • Heart valve replacement or repair
  • Stroke

neurological

  • Bacterial meningitis
  • Dementia, including Alzheimer’s disease
  • Motor neuron disease
  • Multiple sclerosis
  • Parkinson’s disease and specified atypical Parkinson’s disorders

vital organs

  • Kidney failure
  • Major organ failure on waiting list
  • Major organ transplant

accident and functional loss

  • Acquired brain injury
  • Blindness
  • Coma
  • Deafness
  • Loss of limbs
  • Loss of speech
  • Paralysis
  • Severe burns

other

  • Aplastic anemia
  • Occupational HIV infection
  • Long-term care

According to the Canadian Cancer Society

  • 1 in 2 Canadians (49% of men and 45% of women) is expected to develop cancer during their lifetime.
  • 60% of Canadians will survive beyond five years after their diagnosis

 

DISTINCTIVE FEATURES

  • Coverage for all types of cancers and exclusive cardiovascular procedures
  • You will receive your insurance amount without a waiting period. However, a 30-day waiting period is applicable for cardiovascular conditions and procedures
  • Includes comprehensive long-term care coverage
  • You’re eligible to receive your benefit even if the diagnosis is made outside Canada

OUR INSURER IS THE ONLY INSURANCE COMPANY IN CANADA THAT PAYS ADVANCE BENEFITS FOR:

  • Aortic aneurysm
  • Carcinoma in situ
  • Cutaneous lymphoma without distant metastasis
  • Dermatofibrosarcoma
  • Endovascular treatment of aortic aneurysm or disease
  • Insertion of cardiac pacemaker or cardiac defibrillator

other family insurance options


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GET IN TOUCH WITH US TODAY!

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