INSURANCE
OF PERSON
The importance of prevention!
Serious illness: One in three Canadians will develop cancer
Une man in eight will develop prostate cancer during their lifetime and more than 50,000 Canadians suffer from multiple sclerosis, these statistics make Canada one of the countries most affected by cancer. As for heart attack victims, one in two is under the age of 65.
Critical illness insurance evolves!
Suffering a heart attack, cancer, stroke, sclerosis or Alzheimer's can be very costly. To cope with these health problems, it's a good idea to have a health insurance.
A good treatment for your finances!
Health insurance provides financial assistance to cover the expenses associated with a critical illness.
It is useful for :
- Receive care at home or get help with housework and childcare
- Coping with loss of salary in the event of disability lasting more than two years
- Benefit from the best possible treatment
- Avoid being dependent on another person
- Work on the interior of your home to adapt it to your needs
- Keep your RRSPs intact
- Be able to pay off your debts (loans, mortgages, credit card balances)
With health insurance, you can be covered against around 25 illnesses and surgeries. There are even options that offer a refund of premiums during your lifetime.
How does insurance payment work?
In the event of diagnosis of a critical illness covered by the policy, the insured receives a tax-free lump sum. This amount can be used as needed, with no restrictions on its use.
What are the eligibility criteria?
- Medical examination or health questionnaire required
- Risk factors such as age, medical history and lifestyle
- Waiting period after subscription, during which certain illnesses are not covered
How to choose the best critical illness insurance?
When selecting a contract, it is advisable to compare :
- The amount of coverage Does it meet your financial needs?
- Diseases covered Some companies offer broader coverage than others.
- Exclusions and limitations Please read the terms and conditions carefully.
- The cost of premiums Depending on your age and state of health, rates may vary.
Critical illness vs. disability insurance
Although complementary, these insurances have distinct objectives:
- Critical illness insurance pays a lump sum in the event of a critical illness diagnosis.
- Disability insurance provides income replacement if the insured is unable to work due to a prolonged disability.
Peace of mind
Critical illness insurance is an essential solution for coping with the unexpected financial consequences of a critical illness. By taking out this coverage, you can ensure peace of mind for yourself and your family, and benefit from valuable financial support in difficult times.
Get a quote today!
Compare the best offers and find the insurance that's right for you.
1-866-350-9763
