What is Critical Illness insurance?
Our Critical Illness insurance is called Caring Options® and offers help paying costs associated with life-altering illnesses. If you become sick with an illness covered by your policy and survive the waiting period you receive a lump sum cash payment - you decide how to use it. It is not intended to replace your life insurance or other insurance coverage.
The Facts of Life
Unfortunately, Canadians have a high risk of contracting a critical illness during their lifetime.
Caring Options® helps you cope with the financial challenges of surviving a serious illness.
What illnesses are covered?
We cover 19 different illnesses including the four major health risks, heart attack, stroke, cancer, and coronary artery bypass surgery:
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Heart attack |
Coma |
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Stroke |
Blindness |
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Cancer |
Deafness |
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Coronary artery bypass surgery |
Loss of Speech |
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Multiple Sclerosis |
Major Burns |
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Alzheimer's disease |
Occupational HIV infection |
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Parkinson's disease |
Motor neuron disease |
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Major organ transplant |
Benign brain tumour |
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Renal (kidney) failure |
Loss of Limbs |
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Paralysis |
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How can I use the Caring Options® payment?
It's up to you. There are no restrictions on how you can use the money. For example you could use it to:
With coverage ranging from $10,000 to $1,000,000 and four types of policies/coverage available, there is an affordable plan for you.
We include Best Doctors®
With our Caring Options plan, you have the opportunity to use Best Doctors®, an independent authority of quality healthcare in the world, at no additional cost.
Ask your representative for more information on this unique benefit.