Protect yourself from the financial ramifications of a cancer diagnosis or a critical illness by taking out cancer insurance.

Protect yourself from the financial ramifications of a cancer diagnosis or a critical illness by taking out cancer insurance.




As soon as symptoms of a disease begin to affect you, your expenses will also skyrocket. The cost of medications, hospitalization, ambulance fees, medical aids like crutches, etc. will take a toll on your budget.

On the other hand, you don’t have a steady income because the doctor has ordered you to rest for an indeterminate period.

Without work, bills can pile up. What other solution is available aside from using your RRSP or your savings?

There are life insurance solutions for this kind of situation:

  • Critical illness insurance
  • Disability insurance (also called salary insurance)
  • Cancer insurance

During your lifetime, there will come a time when your finances will suffer due to unstable income. Although an insurance plan cannot prevent illness, it can counter the negative effects on our finances when we are victims of an accident or we develop an illness.

Nobody should take their health for granted!

By obtaining the ideal protection for you, providing compensation for your loss of livelihood, you can then concentrate on your recovery.

Well-chosen insurance (cancer, disability, or critical illness) can compensate for unforeseen expenses if :

  • Your employer does not provide group insurance.
  • Government programs are inadequate for your expenses.
  • You can no longer pay for your mortgage, rent, and other essential services (food, electricity, gas)

If you own a business, do not forget to calculate with your insurance policy :

  • Maintenance costs.
  • Expenses related to the replacement of a key person.
  • The amount needed to buy back the shares of a partner.


To know more about critical illness insurance, read below.
In short, critical illness insurance gives you financial aid at a time that you are IN GREAT NEED, such as when you have cancer or stroke.

 According to insurers, it is possible to obtain up to 2 MILLION DOLLARS or more for 25 listed critical illnesses.


Don’t suffer tremendous stress due to loss of income while you are fighting for your life.

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Learn more about cancer insurance and critical illness insurance

A popular saying about insurance that everyone knows is :

« Do not wait to get sick before you get insured. Do it as soon as possible! »

When you receive a diagnosis of cancer or another serious illness,  who would refuse to pay a non-taxable benefit?

With this amount, would you like to:

  • Pay off your mortgage.
  • Take a vacation on credit.
  • Pay your medical bills.
  • Reimburse the salary of your caregiver.
  • Etc.

This lump sum will provide financial support during a most difficult time in your life.

Almost half of Quebec’s population will be affected by cancer; it is a staggering figure!

Take the necessary step to protect yourself from this scourge.

You should know that cancer insurance or critical illness insurance will have a negligible effect on your budget because they are quite affordable. They are available for individuals from age 0 to 80, depending on the insurer of your choice.


Table of Contents

Critical illness and cancer: what is covered by the Régie de l’assurance maladie du Québec (RAMQ)?

Usually, the Régie de l’assurance maladie du Québec will cover all medical expenses related to your cancer treatment or serious illness.

By turning to an insurance policy in the private sector, you can take advantage of an essential financial cushion to compensate for the loss of your income and to improve the quality of your life.

To better understand the scope of medical expenses including hospitalization covered by RAMQ, refer to the limits enumerated below:

  • A waiting period over several months to have access to medical specialists such as dermatologists, gastroenterologists, cardiologists, etc.
  • A specified list of places to obtain covered services (public hospitals or participating doctors).
  • A delay of 3 months (called a waiting period) for newly-arrived immigrants.
  • Medical profiles which are not covered.
  • Certain optometric or dental services are not totally reimbursed.
  • You must pay immediately for some services and amenities.
  • Strict timelines constrain you to deadlines.
  • The deductible is paid every month from your 18th to your 65th birthday.


Why do so many people choose private health insurance?

After learning of the shortcomings of the public health plan, you will understand why so many people choose private health insurance.

This solution allows families to augment their protection:

  • Obtain a private or semi-private room during a hospital stay.
  • Have access to healthcare if they travel abroad.
  • Access to private clinics and doctors operating outside the public system.
  • Benefit from a long list of covered medications.
  • Ambulance costs.
  • Receive prostheses, free of charge.
  • Obtain medical services that are generally excluded from the public plan such as osteopathy and physiotherapy.
More details about a private health insurance plan
Additional features for private health insurance.

Speed of reimbursement
(for drugs and medical expenses)

Faster (normally)
Waiting period None.
Type de protection Based on your needs.
Salary insurance Can be added depending on your choice of insurer.


The main features of critical illness insurance

When you want to improve your existing coverage to add some aspects related to cancer or other critical illnesses, consider critical illness insurance which is offered by many different insurance companies in Quebec.

In order to take into account the astronomical fees related to a life-altering condition, note that this protection is often supplementary to your disability insurance or life insurance.

Its reasonable cost will not have a negative effect on your budget and will be well worth the price.

Here are some illnesses covered by Critical Illness Insurance* :

Aplastic anemia Cancer Blindness (loss of sight) Aortic surgery Coma
Major organ transplant Infarct HIV Infection (contracted at work) Major organ failure Renal failure
Serious injury caused by fire Alzheimer’s Parkinson’s Disease Motor-neuron disease Meningitis
Paralysis Loss of autonomy Loss of speech Dismemberment Coronary artery bypass
Heart Valve replacement Multiple sclerosis Deafness (loss of hearing) Brain tumor  (benign)

*critical illnesses do not heal quickly (this is the definition)

When health insurance is inadequate, it will be necessary to resort to extreme measures. If you are afraid that your child may have autism, this type of protection can offer you tremendous financial aid.

Depending on your insurance company, there are about 27 listed critical illnesses or conditions.  This list varies from one insurer to the next and also varies for children and adults.

Note that cancer affects + 30% of Canadians.


What is covered by Critical Illness Insurance?

If health insurance offers an unexpected solution to many people by expanding health care for its policyholders, note that some policies offer a refund of your premiums if you do not develop a critical illness.

These services are covered by a majority of plans:

  • Modifications made to your vehicle.
  • Home care.
  • Reimbursable expenses.
  • Expenses related to your transportation (overseas) to receive additional care.



Discover the reasons to take out critical illness insurance in Quebec in 2018.
1.Receive a non-taxable benefit upon the diagnosis of a critical illness!
2. Get covered all the way for your critical illness!
3. Eliminate debt at once!
4. Give compensation to your caregiver for your care!
5. Decide to get medical care outside of the public health plan!


Critical illness insurance or cancer insurance for your child



It is time to take out cancer or critical illness insurance for your child.

Many parents who are worried about the future health of their children turn to critical illness insurance.

We all know of at least one family whose child is suffering from an incurable condition.

Their budget is compromised, unable to sustain all the expenses of travel to the hospital almost daily without a regular income since one or both parents must stay home to look after their child.

Avoid this difficult situation by planning for such a catastrophe: protect your child with critical illness insurance.

It will only cost you a few dollars each month and will bring you peace of mind.

  • Reimburse your mortgage.
  • Get a leave with pay.
  • Maintain your standard of living.
  • Pay for specialized treatment and medications that your child needs.
  • Term life insurance (10 years, 20 years, 30 years, etc.)
  • Whole life insurance (lifetime coverage for your child).
WHAT DOES IT COVER YOU FOR? Choose the desired protection from:

  • Cancer
  • 27 critical illnesses including cancer
  • Cancer, stroke, paralysis, heart attack, and coma.
  • A list of serious illnesses that affect children up to age 18 :
    • Cerebral palsy
    • Cystic fibrosis
    • Diabetes (type 1)
    • Congenital heart disease
    • Muscular dystrophy

You can decide how to use the money!


To quickly and easily shop for a critical illness or cancer insurance for your child, fill out the FREE form on this page.

This platform will link you with one of our partners (which are all insurers and insurance brokers) and will allow you to compare + 20 insurers with a single request.


If you are an adult, it is time to take out critical illness or cancer insurance!



Do not let everything that you have built be destroyed by a critical condition like cancer or Parkinson’s disease.

Nobody wants to think about it but the impact of a critical illness diagnosis is a huge shock. It upsets the entire family.  All we want is for the patient to heal, to fight the sickness, no matter the cost. Many families amass a huge debt following a diagnosis of cancer.  

It is possible to maintain your standard of living while fighting this formidable enemy with the adapted protection that will pay you a non-taxable benefit.

If a friend or family member needs to stay at your house to take care of you, would you not want to replace his income?

Usually, these types of protection (cancer insurance or critical illness insurance) are added to an already existing policy to expand your coverage. These additions are also called « endorsements ».

Note that if you are in good health, now is the perfect time to be informed about these very practical types of protection.

The goal remains to be your speedy recovery. It is not helpful to have to deal with financial problems during a time of critical illness.

You will see that the protection you get is well worth the cost!

  • Eliminate your debts.
  • Buy what is necessary to maintain your standard of living.
  • Decide on the care and drugs that will be reimbursed (those which are not covered by the RAMQ).
  • Give compensation to your caregiver to free him from his job temporarily or permanently.
  • Take a paid leave from work to give yourself time to recover properly.
  • In the event of a fatal illness, prepare for the final expenses and your legacy.
  • Critical illness insurance coverage ranges from $25,000 to $2,500,0000.
  • If you die without receiving a cent from your policy, some insurers reimburse the amount of the premiums to the beneficiary/ies.
  • Term life insurance for a specified period:
    • (1 year, 5 years, 10 years, 25 years, 75 years, 100 years).
  • Permanent life insurance (lifetime coverage).
  • Critical illness insurance
  • Cancer insurance (may be issued without medical exam depending on the insurer)
  • Hybrid insurance which combines the benefits of several different plans (ask your insurance broker)
  • Brain tumor (benign)
  • Coma
  • Renal failure
  • Alzheimer’s
  • Deafness
  • Motor neuron disease
  • « HIV » infection
  • Major grafting
  • Infarct (heart attack)
  • Loss of one or more limbs
  • Total or partial paralysis
  • Cancer
  • Meningitis (bacterial)
  • Severe burns
  • Parkinson’s disease
  • Blindness
  • Aplastic anemia
  • Loss of speech
  • Multiple sclerosis
  • Loss of autonomy
  • Coronary artery bypass
  • Failure of an important organ
  • Aortic surgery
  • Heart valve replacement

Decide how to spend this tax-free cash benefit!


Thanks to this online platform designed for Quebecers, you now have the chance to compare more than 20 insurance companies in just one step.

To discover an offer tailored to your needs, fill out the form on this page (follow the link below to find in one click).

Your request will be sent to one of our partners (all insurance brokers and insurers). He will carefully analyze your answers to help you and send you a quote.

In addition, there is NO OBLIGATION ON YOUR PART!


Preserve your finances with critical illness insurance or cancer insurance



There are many options available to people over the age of 50 for cancer insurance or critical illness insurance.

For some, those that don’t require medical examination will help them hide small health issues. For people who want to save on monthly premiums, they will follow normal procedures to obtain insurance.

When planning your future projects, do you take the time to think of an emergency plan in case of a dismal diagnosis?

If this is not the case, you should try to anticipate a source of income to prevent you from squandering all of your savings.

Calculate the lump sum that would protect you from financial disaster by considering your debts, your income, and the person who would be taking care of you during this time.

Wisdom comes with age. Be concerned for the future by planning for the hard times.

Take comfort in knowing that these means of guaranteeing your standard of living do not cost a fortune after age 50.

  • Normally, you have access to it from 18 to 65 years old.
  • The face amount is large (between $25,000 to $2 million on average).
  • The premiums remain steady over time.
  • You usually receive a free 10-day trial period (cancel during this time without charge).
  • Non-revocable protection (permanent).
  • Some policies do not require medical examination to facilitate the process.
  • Offers a salary for your caregiver.
  • Have access to medications and treatments that are not covered by the RAMQ.
  • Eliminate your debts.
  • Critical illness insurance (also called long-term care insurance)
  • Cancer insurance (also found under the name « cancer program»)
  • Insurance without medical examination

There are many types of insurance for people over 50 years of age.

  • Terminal cancer
  • Paralysis
  • Stroke
  • Renal failure
  • Myocardial infarction
  • Organ failure (you are on a transplant list)
  • Deafness
  • Coronary bypass
  • Loss of speech
  • Parkinson’s disease
  • Burns
  • Heart valve surgery
  • Motor neuron disease
  • Coma
  • Aortic surgery
  • Loss of autonomy
  • Parkinson’s disease
  • Dismemberment
  • Loss of sight
  • Vital organ transplant
  • An infection obtained at work (HIV)

Spend as much as you like of this amount!


To start the process, just fill out the form on this page ( click on the link below for quick access).

One of our partners (insurers and insurance brokers) will analyze your answers and send you a quote.

This form is FREE and WITH NO COMMITMENT on your part.


Critical illness or cancer insurance: who will you buy it for?

Before you even think about taking out a critical illness or cancer insurance, it is imperative to consider who will be your beneficiary.

Will you be the insured or do you want this protection for a loved one?

If the second option suits you more, in industry jargon, you are the « owner» whereas your loved one becomes the « insured ».

You will need to obtain the written consent of the insured, unless he is on this list:

  • A child (yours or your spouse’s).
  • A parent (your mother or father).
  • A spouse.
  • Grandparents (your grandmother or grandfather).
  • A grandchild (yours or your spouse’s).
  • An employee.
  • A loved one who supports you or raised you.
  • A long-time friend.
  • A business partner.

Who will receive the amount of critical illness insurance (or cancer)?

Determine who will be the beneficiaries of this protection. A beneficiary is a person who will cash in the amount of insurance at the time of diagnosis of cancer or a critical condition.

There is nothing to stop you from your choices: decide who is the beneficiary that you wish. Add to this list your future son or daughter, even if you are not pregnant yet.

The only requirement (insurance companies): they prefer that the beneficiary is related to the insured (parent, friend, etc.).

In the event that no name appears on this portion of the agreement, the subscriber receives the sum insured. If he dies, his estate will benefit.


Do you wish to change the beneficiary of your cancer or critical illness insurance?

Generally, you can change the beneficiary of your contract.  Just inform the insurance company in writing.

Nevertheless, there are 2 circumstances that will require you to have the written consent of the beneficiary (mentioned in the contract)  to make the change:

  • If your beneficiary has the word « irrevocable » next to this name, or
  • If your beneficiary is your spouse (unless it is stated that it is « revocable » beside his name).

What are the procedures for receiving the amount of cancer insurance, critical illness, or salary insurance?

How to receive the amount insured for cancer or critical illness insurance?To be entitled to the benefit, the beneficiary must :

  • Within 30 days from the diagnosis or accident, inform the insurance company;
  • Within 90 days of the diagnosis or accident, send all the pertinent information about his condition. Usually, the medical records will be sufficient.

Please check your contract if you have a longer period to send the supporting documents.

Note that the insurance company for critical illness or cancer insurance will have 60 days (2 months) to pay the amount after receipt of the documents.

However, if you contact the insurer for your disability insurance, (regarding an accident that prevents you from returning to your employment, the insurance company will pay the amount insured:

  • One month (30 days) after receipt of the proof of the accident;
  • Or if the agreement has a waiting period (a certain number of days before the first payment becomes due) that is your waiting period + one month.

To discover all the implications of your cancer insurance, critical illness or disability, refer to your contract. If you do not have a copy, call your insurer for more information.


How can you lose your critical illness or cancer insurance coverage?

To avoid losing your cancer insurance or critical illness insurance (or disability), always pay for your premiums.

In general, your contract ends at a pre-established date with your insurer.

However, it will also cease if your premiums are not paid 2 weeks (15 days) after your insurance company provides you with a collection notice.


Concrete examples of critical illness insurance in the Quebec market

To give you an idea of the range of policies available in Quebec for critical illness insurance, we have compiled some data for your reference.

Take note, however, that these can be changed at any time by insurers.

To find how much will cost your coverage, 
fill out the form on this page.

Don’t waste time and look for the best critical illness or cancer insurance policy here.

One of our partners will look for a product that
suits your needs.

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Insurer Number of products Characteristics of protection for critical illness and cancer
Discover the types of policies for cancer insurance and critical illness insurance from Desjardins Insurance. Desjardins Insurance


  • Critical illness insurance (basic)


 Receive up to $25,000 for the first diagnosis of critical illness. The amount is non-taxable.

 Serious illnesses covered include: bacterial meningitis, cancer, E-Coli, flesh-eating bacteria, heart disease, Lyme disease, West Nile virus.

 This Desjardins Insurance product is available without a medical examination.

 Get $2.50 discount on premiums of family members if you subscribe to this insurance.


  • The Executive Health Plan and Desjardins Insurance’s personalized offer


You can receive up to $2.5 million from Desjardins Insurance if you are diagnosed with cancer or another critical illness (a list of 26 conditions).

 Avoid paying your insurance if you become disabled.

 If you own a business, protect it with this plan.

Find out about the critical illness and cancer insurance from Industrial Alliance. Industrial Alliance


  • Transition – 4 illnesses


 Protection for heart attack, cancer, coronary bypass, cerebrovascular accident (stroke),+ 5 juvenile diseases.

 Save on the cost (from 20 to 30% ) compared to basic plan which includes 25 illnesses.

 Answer only 8 questions to get access.

 Fixed premiums that will never go up.


  • Cancer Program


 Only 2 or 4 questions to answer to obtain this protection against cancer from Industrial Alliance.

 Choose between 10, 20 years, and up to 75 years for the cancer program (your renewal will not require a medical examination).

 You can protect yourself from 5 critical illnesses.


  • Basic Transition


 Be protected against 5 juvenile diseases and 25 critical illnesses.

 Access to cash at the 5th year, get cash if you want.

 Duration of 10, 20, 25 years, a policy for up to 75 years or protection for life.


  • Child Life and Health Duo


 If you want to get life and critical illness insurance coverage for your child, this offer allows you to stay at his bedside should something happen to him.

 The premiums will never fluctuate.

 This plan includes Ce régime comprend 30 maladies (ou conditions) ainsi que 5 maladies infantiles.

 Transform this critical illness insurance into permanent life insurance with Industrial Alliance when your child turns 30.


  • Kiddy Plan


 This coverage is completely free for 12 months.  This is a gift from Industrial Alliance.

 You will receive a first aid kit, free of charge, upon signing this policy.

 Targets children from 2 to 5 years old.

Sunlife Financial offers 2 critical illness and cancer insurance options. Sun Life Financial


  • Critical Illness Insurance Express


 Sunlife Financial gives you protection for $25,000 against cancer.

 Without a medical examination or blood test.

 You must be between 18 to 65 years old.

Add protection against stroke and heart attack with extended coverage.

 To add these serious illnesses of conditions to your Sunlife Financial insurance policy, ask for extra coverage:  vital organ transplant on a waiting list or not, aortic surgery or a coronary bypass.

 This extra coverage will increase your face amount to $50,000.


  • Sun Life Critical Illness Insurance


 This plan gives you coverage between $25,000 to $2,500,000 if you are an adult. For a child, the maximum amount is $1 Million.

 The adult version has coverage for 26 critical conditions and a list of 6 illnesses that will entitle you to partial compensation.

 The children’s version adds 5 additional diseases : celebral palsy, type 1 diabetes, congenital heart disease, cystic fibrosis, and muscular dystrophy.

Turn to Blue Cross Quebec for cancer insurance or critical illness insurance. Blue Cross Quebec


  • The Tangible for critical illnesses


 Protect yourself from cancer, stroke, renal failure, heart attack, and coronary bypass with this plan from Blue Cross Quebec.

 You can receive up to $2 Million in compensation.


  • Tangible: Deluxe


 This product expands the scope of The Tangible, extending its protection to 24 critical illnesses and 2 minor diseases.

 In case of disability, your premiums will be exempt to help you make ends meet.


  • The Express Plan: Reduced medical requirements


 With this Blue Cross product, you will be insured for up to $50,000 if you are diagnosed with cancer, a heart attack, a stroke, renal failure, or if you have coronary surgery.  

 Get health care outside of your province or abroad. 

 Also, get babysitting services and remodeling for your home.


  •  Tangible: Multi-protection plan for children


 If your baby is at least 30 days old, he or she can be protected from 29 critical illnesses (including muscular dystrophy, diabetes, cystic fibrosis, celebral palsy, and autism), and 2 minor diseases.

 Cash benefit of up to $1 million.


  • Tangible : Hybrid


 Little by little, this Blue Cross Quebec policy can be converted to long-term care insurance (at 55 years old).

 Number of critical illnesses covered:  24

Number of minor diseases covered:  2

 The possibility of adding home care coverage.

If you are searching for critical illness insurance, look to RBC Insurance in case you develop cancer. RBC Insurance


  • Critical Illness Insurance of RBC Insurance


 RBC Insurance offers you a solution at a small price to protect you from the most common serious diseases.

 Earn between $10,000 and $75,000 if you are diagnosed with a heart attack, cancer, or stroke.

 Available to adults between 18 to 50 years old.  

 This RBC Insurance product has a 10-year term, renewable up to age 65. You will see a price increase with each renewal.


  • Critical Illness Recovery Plan


 The RBC Critical Illness « Recovery » is between $25,000 and $2 million depending on your selection criteria.

 You must be between 18 – 65 years of age to qualify.

 Diseases that are covered by this offer :

Coronary bypass
7 types of Cancer (intestine, thyroïd, blood, terminal,  skin, breast, and prostate)
Aplastic anemia
Parkinson’s disease
Severe burns
Heart attack
Loss of speech
Multiple sclerosis
Renal failure
Motor neuron disease
Aortic surgery
Coronary angioplasty
Loss of autonomy
Organ transplant
Brain tumor (benign)
Cardiac valve replacement
HIV infection during his employment
Purulent meningitis
Vital organ failure (you are waiting for a transplant)

 To learn more about this RBC Insurance plan, fill out the form on this page.

With Manulife, you will notice that there are plenty of choices for critical illness and cancer insurance policies. Manulife


  • Cover Me Critical Illness Insurance


 To protect your finances with an insurance policy from Manulife, purchase Cover Me Critical Illness Insurance. It will pay an indemnity for a diagnosis of cancer, aortic surgery, stroke, coronary bypass or heart attack.

 Amounts of $25,000, $50,000, or $75,000.

 In addition, you will also earn AIR MILES.


  • Lifecheck Basic Critical Illness


 At age 75, if you have never needed your insurance, Manulife will reimburse all paid premiums.

 Age 18 to 55: enjoy a guaranteed capital of $25,000, $50,000, or $75,000.

 Age between 56 and 60 years: your choices are $25,000 or $50,000 in protection.

 Age 61 to 65 years : coverage is $25,000.


  • Lifecheck Critical Illness Insurance of Manulife


 Get long-term care that will be reimbursed by an allowance paid monthly. 

 A list of critical illnesses: 24 including cancer.

 If you are diagnosed with a minor illness, you may be entitled to a partial amount of your insurance with a limit of $50,000.

 In case of a complete disability, no more premiums to be paid.  


This free platform allows you to get in touch with an insurance professional

With  « Compare Insurances Online», you finally have the opportunity to compare over 20 insurance companies with the help of one of our partners (all insurance brokers and insurers).

With his help, you will find out the cost of the protection you seek. Reassure those around you by subscribing to a critical illness or cancer insurance policy at the earliest opportunity.

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