Critical Illness Insurance

Critical illness can have a devastating impact on people, and one of these impacts is financial. Numerous people survive a critical illness, but are unable to continue working and have difficulty paying the bills.

Government health plans and employee benefits are limited to basic medical and hospital care, and disability insurance pays a monthly benefit only when unable to work.  This is where critical illness insurance differs: it pays out a lump sum of cash even if you are able to go back to work.

It is important to note that you must survive a critical illness for a set period of time to receive benefits (usually 30 days).

Critical Illness Examples:
  • Cancer
  • Heart Attack
  • Stroke
  • Multiple Sclerosis
  • Kidney Failure
  • Major Organ Transplant
  • Dismemberment
  • Blindness
  • Deafness
  • Loss Of Speech
  • Major Burns
  • HIV
  • Alzheimer’s Disease
  • Parkinson’s Disease

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