How it Works
Critical Illness Insurance is coverage that aims to reduce stress and the financial burden that may arise upon a diagnosis of a critical illness (listed below). Child care expenses may increase, loss of income resulting in difficulty making required life payments, in-home help or costly home or vehicle modifications may be necessary, encroaching on capital with future objectives (ex. Retirement), out-of-pocket travel expenses may be incurred in order to receive treatment, some medical expenses may not be covered by government or private health plans. Critical illness insurance gives a lump sum for a diagnosis of the critical illnesses. The policy ends when the benefit is paid, and the benefit will pay out on the condition you survive your diagnosis for 30 days.
What's most critical about critical illness insurance is quality of coverage. With over 30 years of knowledge and exprience, we will ensure that you get the most robust contract to ensure that your needs are met. Let us walk you through the process and act on your behalf when it comes to your coverage needs, your application, the underwriting process, changes, inquiries, and filing a claim.
Critical Illnesses can include but are not limited to: Acquired brain injury, Aortic surgery, Aplastic anemia, Bacterial meningitis, Benign brain tumour, Blindness, Cancer, Coma, Coronary artery bypass surgery, Deafness, Dementia, including Alzheimer's diseaseHeart attack, Heart valve replacement or repair, Kidney failure, Loss of independent existence (LOIE)*, Loss of limbs, Loss of speech, Major organ failure on waiting list, Major organ transplant, Motor neuron disease, Multiple sclerosis, Occupational HIV infection, Paralysis, Parkinson's disease and specified atypical parkinsonian disorders, Severe burns, Stroke
