A critical illness diagnosis can turn your life upside down. Most people do not have the resources to cover their expenses in the event of income loss due to a critical illness.
Critical illness insurance provides you with financial protection in the event of a diagnosis of dreaded illnesses, such as cancer, heart attack, or stroke. This coverage allows you to cover medical expenses not covered by the public plan, compensate for loss of income during your recovery, and maintain your quality of life without worrying about your finances.
With ClicAssure, complete an insurance quote online or by phone and receive proposals tailored to your needs from several reputable insurers in Canada.
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Critical illness insurance is essential to ensure your financial security in the event of dreaded illnesses such as cancer, heart attacks, or strokes. At ClicAssure, we help you choose the coverage that suits you best thanks to our insurance comparator, with which you can compare and choose from offers from several well-established insurers in Quebec, specializing in life and health insurance.
Critical illness insurance is coverage that pays a lump sum if you are diagnosed with a critical illness specified in your contract. Covered illnesses may include cancer, heart attacks, strokes, and other serious conditions. This sum can be used to cover medical expenses, compensate for lost income, or any other financial need related to your recovery.
Covered illnesses vary by insurer, but the most common include cancer, heart attacks, strokes, Alzheimer's disease, Parkinson's disease, and vital organ transplants. It is important to check the list of covered illnesses in each contract, as they may differ from one insurer to another.
Critical illness insurance pays a lump sum after the diagnosis of a critical illness, while disability insurance provides a regular income if you are unable to work due to a disability. Critical illness insurance is designed to cover the immediate and unforeseen costs associated with a critical illness, while disability insurance helps replace your income over an extended period.
Eligibility criteria may vary, but they generally include age, current health status, and medical history. Some insurers may also require a medical examination before offering you coverage. It is advisable to discuss your situation with an insurance advisor to understand the specific criteria and obtain suitable coverage.
Premiums are determined based on several factors, including your age, health status, medical history, and the desired coverage amount. The price of premiums can be fixed or increase with age. A comprehensive assessment of these factors will determine the exact premium you will have to pay.
If you recover from a critical illness after receiving the lump sum, you are generally not required to repay the money received. The amount paid is intended to help you cover the immediate costs of your recovery and related expenses. However, coverage for that specific illness may be limited in the future.
In general, pre-existing conditions are not covered by critical illness insurance. This means that if you are diagnosed with a critical illness before purchasing insurance, that illness will not be covered. It is important to read the terms of your contract carefully and discuss with an advisor to understand how pre-existing conditions may affect your coverage.
Yes, it is possible to purchase critical illness insurance in addition to life insurance. In fact, many people choose to combine these types of insurance for more comprehensive financial protection. Critical illness insurance covers the immediate costs associated with a critical illness, while life insurance offers long-term protection for your beneficiaries in the event of death.
To choose the best critical illness insurance, it is essential to compare the different offers available, taking into account the illnesses covered, coverage amounts, premiums, and exclusions. Using an online insurance comparator, such as ClicAssure's, can help you find the policy that best meets your needs and budget.
