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Critical Illness Insurance

Critical illness insurance is health insurance that provides a lump sum payment if you are diagnosed with a serious illness. This payment helps you avoid financial hardship in the event of a medical emergency by providing you with income support during your recovery, as well as travel or medical expenses.

The payment can be used for a variety of purposes, such as:

  • To replace income lost due to illness.
  • To maintain a business while you recover.
  • To pay off a mortgage or other debt.
  • To fund specialist care.
  • Adapting your home to disability requirements.

Why do you need Critical Illness Insurance?

Covering additional costs

Provincial or territorial health care does not always cover all costs associated with critical illness. Critical illness insurance can help cover additional costs such as medical treatment, home care and specialist travel costs that may not be covered by a government plan.

Lump-sum payment

Critical health insurance offers a full payment to the policyholder, which can ease financial strain during tough times. This payment can be used to pay off debts, cover living expenses and meet some other financial obligations.

Reduced financial stress

Critical illness can be emotionally and financially stressful for the insured and their family. Critical illness insurance can reduce financial stress, allowing people to focus on recovery without worrying about finances.