Frequently Asked Questions

Click on a question below to view the corresponding response:

How does a Critical illness insurance work?

Unlike life insurance, Critical illness insurance must be paid while alive and up to 30 days after the critical illness diagnostic. The minimum is usually 5000$ and can go up to two million tax free.

Why do I need a Critical illness insurance?

With Critical illness, you are covered for hospital care. If you have a group insurance, you'll also receive a certain percentage of your salary.This income must not be used for the following things:
  • Non-covered drugs
  • Home care
  • Purchasing adapted equipment for disabilities
  • Home remodeling
  • Domestic helper
  • Out of the country healthcare
  • Repayment of debts (mortgage, credit card, solde de crédit, car loan (rental), etc.)
  • Salary for your spouse currently on sabbatical to help during your illness

I do not have any group insurance because I'm self-employed or my current employer doesn't offer a group insurance.

If you're unfortunately struck by a critical illness that requires a long stay home and and medical treatment, you'll eventually encounter financial issues as you empty your resources. Critical illness insurance will help you :
  • Cover payments
  • Provides an income in case you need to take time off work for a long time
  • Ensures an income even with a critical illness such as cancer

What is covered by the Critical illness insurance

Maladies graves et conditions couvertes

Children’s diseases

  • Autism
  • Cerebral paralysis
  • Cystic fibrosis
  • Congenital heart disease
  • Congenital heart disease requiring open heart surgery
  • Muscular dystrophy
  • Type-1 Diabetes

Maladies graves

  • Aortic surgery
  • Aplastic anemia
  • Acquired Brain Injury (ABI)
  • Benign brain tumor
  • Blindness
  • Coma
  • Coronary artery bypass grafting (CABG)
  • Deafness
  • Dementia including Alzheimer’s disease
  • Dismemberment
  • Heart attack
  • HIV contracted at work
  • Life threatening cancer
  • Loss of autonomy
  • Loss of speech
  • Motor Neuron Disease
  • Multiple sclerosis
  • Parkison's disease and atypical parkinsonian syndromes
  • Paralysis
  • Renal failure
  • Purulent meningitis
  • Repair or remplacement of a heart valve
  • Severe burns
  • Stroke
  • (Transplant) Vital organ failure while waiting for a graf
  • (Transplant) Vital organ graft

Maladies graves à prestation partielle (15%)

  • Coronary angioplasty
  • Ductal carcinoma in situ of the breast (stage A)
  • Prostate Cancer in Stage A (T1a or T1b )
  • Stage 1A malignant melanoma

How is the premium calculated?

Elle est calculée en fonction de votre âge, de votre sexe et de votre statut de fumeur ou de non-fumeur. Évidemment, vous devez être en bonne santé lors de la souscription de ce produit.

When does it kick off?

L'Assurance maladie grave débute au moment où vous êtes accepté(e). Il n y a pas de délai d'attente ou autres

Who is eligible for this type of insurance?

Toute personne résident au Québec âgée entre 0 et 65 ans et qui satisfait aux conditions d'assurabilité.
Life insurance for Frequently Asked Questions

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We'll gladly answer any questions you may have.