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Critical Illness Insurance

Canada's most comprehensive critical illness quotes system. Instantly compare premiums, covered conditions, and contract provisions. For background, we suggest you review our articles on critical illness insurance. We also have a free, downloadable guide to buying critical illness insurance. And finally, we are available by toll free phone at 1-877-344-4011 to personally answer any questions [...]

In addition to the critical illness standard covered conditions, most policies contain a variety of contract provisions. We describe some of the more common ones in this article. 1) 90 day moratorium - this clause indicates that cancer is not covered for the first 90 days after you purchase your policy. The exact definition of [...]

Back in the 1990's when critical illness insurance first arrived in Canada, the insurance companies banded together with the reinsurers and created a set of standard definitions for each of the covered conditions. So for example, there's a standard industry definition for cancer, another for heart attack, and so on. The specific industry definitions can [...]

Activities of Daily Living are: Bathing – the ability to wash oneself in a bathtub, shower or by sponge bath, with or without the aid of equipment.Dressing – the ability to put on and remove necessary clothing including braces, artificial limbs or other surgical appliances.Toileting – the ability to get on and off the toilet [...]

This is Part V if VII discussing standard definitions of covered conditions for critical illness insurance. Occupational HIV A definite diagnosis of infection with Human Immunodeficiency Virus (HIV) resulting from accidental injury during the course of the Insured Person’s normal occupation, which exposed the person to HIV contaminated body fluids. The accidental injury leading to [...]

Muscular Dystrophy Multiple Sclerosis means at least 1 of the following: 2 or more separate clinical attacks, confirmed by magnetic resonance imaging (MRI) of the nervous system, showing multiple lesions of demyelination; b) well-defined neurological abnormalities lasting more than 6 months, confirmed by MRI imaging of the nervous system, showing multiple lesions of demyelination;or c) [...]

Critical illness insurance provides you a lump sum payout if you develop cancer, have a heart attack, have a stroke, or have any one of about 2 dozen covered conditions. At least, that's how it's sold. The reality is quite different. It's entirely possible for you to have a heart attack or develop cancer and [...]