Coverage overview

Critical Illness Insurance

Critical illness insurance can pay a lump-sum benefit if the insured is diagnosed with a covered serious illness and satisfies policy conditions.

Common options to compare

Basic Critical Illness

Protection for core covered conditions such as cancer, heart attack, or stroke depending on plan wording.

  • Lump-sum payment if a covered condition qualifies
  • Can help with recovery expenses, bills, or lost income
  • Coverage depends on definitions and survival period

Enhanced Critical Illness

Broader coverage options may include additional covered conditions.

  • More illnesses may be covered depending on insurer
  • Can be paired with life insurance planning
  • Good for clients wanting stronger protection

Return of Premium Options

Optional feature on some plans that may return premiums under certain conditions.

  • Adds flexibility but increases cost
  • Terms vary widely by insurer
  • Requires careful review before selection

What to keep in mind

This page is for general information only. Availability, eligibility, pricing, covered benefits, exclusions, and underwriting rules vary by insurer, province, age, health, and policy wording. A licensed advisor should review your needs before you buy coverage.

Contact

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