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Critical Illness Insurance
Focus on your recovery thanks to a lump-sum payment you can use as you see fit.
Critical illness insurance is coverage from you… to you. It’s a good fit for self-employed workers and people who want to upgrade their group insurance. In the event of a critical illness, such as cancer or a stroke, keep your financial peace of mind with money to pay the bills, even if you aren’t working.
Real-Life Scenarios: Why Critical Illness Coverage Matters
- Simon, restaurant owner: Self-employed worker from Quebec City in his forties does not have group insurance and wants to be able to hire an employee to avoid closing his business in the event of a critical illness.
- Leila, married and mother of three: 31-year-old British Columbia mom wants to be protected in the event of a serious illness, so that her healthy husband can take time off work and care for their young children.
- Lucy, office worker and mother lives in Ontario with a little girl and has critical illness insurance for her daughter. She wants to be able to stay by her side and take care of her without financial worries, in case she gets sick.
Our benefits
What illnesses are covered by critical illness insurance?
Critical illness insurance typically covers major health conditions such as cancer, heart attack, stroke, organ transplants, and other life-threatening illnesses. Coverage may vary, so it’s best to review the specific conditions listed in your policy.
How can I use the payout from my critical illness insurance?
The lump-sum payout is flexible and can be used however you need. Whether it's for medical bills, living expenses, home modifications, or even to supplement lost income, the funds are yours to manage as you see fit during your recovery.
Do I need to undergo a medical exam to qualify for coverage?
Some critical illness insurance policies may require a medical exam or health questionnaire to assess eligibility. However, options are available with simplified or no medical underwriting, so it’s possible to find a policy that suits your health status and needs.