How does it work?
 

• Choose the coverage amount you want. 

• Pay your premium. 

• File a claim if you’re diagnosed with a critical illness.

• Receive your payment. You may have to wait a set period of time depending on your condition. 

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It's more than just a payout

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Coping financially with an illness is just part of the picture. Having access to emotional support and medical treatments can help your recovery.

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Expert medical help
 

Get access to the top 5% of specialists in their fields. They can:

• Provide a second opinion

• Help understand medical conditions

• Explain treatment options

• Help navigate the health care system 

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Why do you need critical illness insurance?
 

• It’s more common than you think

  A serious, life-altering illness affects one in three Canadians in their lifetime.

• Cover daily costs

  Use your payout to help with your expenses while you recover.

• Protect your retirement savings

  Don’t dip into your RRSP or other investments to pay for additional medical costs.

• Focus on your recovery

  Concentrate on getting healthy knowing your benefit payment can help with your finances.

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How much do you need?
 

Depending on the severity of your illness, you may need to take time off work.

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What happens if you don't experience a critical illness?

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You can add a return-of-premium benefit to your critical illness insurance policy. If you don’t experience a serious illness after as early as 10 years, you can choose to get your money back. If you choose this option your policy expires.

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Do you need critical illness or disability insurance?

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Depending on your situation you may need only critical illness or disability insurance but there are many times when you need both to fully protect yourself. 

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Critical illness and disability insurance work together to help reduce the impact of disability or serious illness.