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Critical Illness Insurance

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Lump-Sum Protection When a Major Diagnosis Occurs

What Is Critical Illness Insurance

Critical Illness Insurance provides a lump-sum cash benefit if you’re diagnosed with a covered serious illness. The benefit is paid directly to you and can be used for any purpose—medical costs, household expenses, or time away from work.

It’s about flexibility at a critical moment.

Lump-Sum Protection When a Major Diagnosis Occurs

What Is Critical Illness Insurance

Critical Illness Insurance provides a lump-sum cash benefit if you’re diagnosed with a covered serious illness. The benefit is paid directly to you and can be used for any purpose—medical costs, household expenses, or time away from work.

It’s about flexibility at a critical moment.

  • Coverage typically includes major illnesses such as: Cancer Heart attack Stroke Major organ failure or transplant The exact list of covered conditions varies by policy.

  • Unlike disability coverage, Critical Illness Insurance:

    • Pays a one-time lump sum

    • Does not require ongoing disability status

    • Can be used immediately after diagnosis

    This makes it ideal for large, upfront or unexpected expenses.

  • Depending on the policy, options may include:

    • Coverage for minor conditions

    • Return of premium features

    • Paid-up benefit options

    • Additional coverage for spouse or children

    Your advisor will help evaluate which features are appropriate.

Compare Critical Illness Plans

Let’s explore coverage amounts and features that fit your goals.

 

Coverage Providers

Critical Illness Insurance is offered through selected partners including Industrial Alliance and Combined Insurance, based on suitability and eligibility.

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