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A financial safety net when you need to focus on recovery.
Critical illness insurance pays a tax-free lump sum upon diagnosis of a covered condition — giving you money when you need it most to focus on getting better, not worrying about bills.
Critical illness insurance pays you a one-time, tax-free lump sum if you're diagnosed with a covered serious illness such as cancer, heart attack, or stroke.
Unlike disability insurance that replaces income monthly, CI gives you a large sum upfront that you can use for anything: medical expenses, lost income, travel for treatment, home modifications, or simply peace of mind.
Most policies in Canada cover 25 or more conditions, and some carriers offer return-of-premium options if you never make a claim.
If your family depends on your paycheck, a CI payout bridges the gap while you recover and may not be able to work.
Without sick leave or group benefits, a critical illness diagnosis could mean zero income for months.
If cancer, heart disease, or stroke runs in your family, CI insurance provides an important financial cushion.
A lump sum lets you choose private care, seek treatment in another city, or access experimental therapies.
Life-threatening cancer diagnoses excluding early-stage or non-invasive cancers.
Acute myocardial infarction meeting specified severity criteria.
Cerebrovascular accident resulting in neurological deficit lasting more than 30 days.
Surgical procedure to correct narrowing or blockage of coronary arteries.
Being placed on a transplant waiting list or undergoing a major organ transplant.
Including MS, Parkinson's, kidney failure, blindness, deafness, and more.
Answer a few simple questions and get a personalized coverage recommendation — then compare quotes from Canada’s top insurers.
Launch CalculatorReplace your income if an injury or illness prevents you from working.
Learn MoreUse my free calculator to find the right critical illness insurance coverage — it takes less than 3 minutes.