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
- Coverage is usually quoted in $25,000 increments.
- Medical history, family history, and lifestyle can affect eligibility.
- Covered illnesses and exclusions vary by insurer, so policy wording matters.
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.