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Getting over a critical illness can be one of the most challenging time for you and your family. Financial obligations such as remaining financially stable, supporting your family and unexpected medical bills can add stress when you need to concentrate on recovery.

Critical Illness insurance will provide financial support when you need it most. This form of insurance will provide a benefit if you are diagnosed with a covered critical illness or condition. The types of conditions and illnesses covered vary from insurer to insurer, but typically include:

certain types of cancer
stroke of defined severity
heart attack of defined severity
paralysis
loss of vision
kidney failure
multiple sclerosis
Alzheimer’s
organ transplants
Coverage may depend on degree of severity of the condition. For instance a diagnosis of cancer that can be treated and is expected to be recovered from quickly can make it ineligible to be claimed. In addition a Critical Illness policy cannot be obtained for a pre-existing condition.

An estimated 177,800 new cases of cancer occurred in Canada in 2011. Approximately one in two Canadians will develop cancer; three in four will survive1
Heart attacks strike 70,000 Canadians each year2
Strokes hit 50,000 Canadians each year3
Over 13,000 Canadians undergo surgery every year to replace aortic valves4
Nine in ten Canadians (90%) have at least one risk factor for heart disease or stroke5
Cancer
Stroke of defined severity
Heart attack of defined severity
Paralysis
Loss of vision
Kidney failure
Multiple sclerosis
Alzheimer’s disease
Major Organ Transplants
Aplastic Anemia
Heart Valve Replacement
Bacterial Meningitis
Deafness
Severe burns
Loss of speech
Benign Brain Tumor
Loss of Limbs
Major Organ Failure on Waiting
Parkinson’s Disease
Major Organ Transplant
Moto Neuron Disease
Coronary Artery Bypass Surgery
Loss of Independent Existence
Aortic Surgery
Coma
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