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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:
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 :
If you own a business, do not forget to calculate with your insurance policy :
|WHAT IS CRITICAL ILLNESS INSURANCE?|
|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.
ONLY ONE FIGHT REALLY MATTERS, THE ONE FOR YOUR HEALTH!
We provide (at « compareinsurancesonline.ca ») a free tool for ALL consumers in Quebec!
Fill out the fields on the form on this page to have your situation assessed by one of our partners (they are all insurers and insurance brokers).
Don’t waste time on phone calls by repeating your information over and over again.
By making a single request on this platform, you will receive a quote based on your selection criteria.
Don’t wait any longer for your peace of mind!
Several options are available to you! Let the professionals help you to see things clearly.
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:
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.
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:
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:
|More details about a private health insurance plan|
Speed of reimbursement
|Type de protection||Based on your needs.|
|Salary insurance||Can be added depending on your choice of insurer.|
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.
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:
THE 5 MAIN BENEFITS OF CRITICAL ILLNESS INSURANCE
|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!|
SUBSCRIBE TO A 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.
|FEATURES OF INSURANCE FOR CHILDREN|
|TYPES OF ADAPTED INSURANCE:||
|WHAT DOES IT COVER YOU FOR?||Choose the desired protection from:
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.
GET CANCER INSURANCE/
FOR AN ADULT
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!
|DETAILS OF INSURANCE FOR ADULTS|
|TYPES OF INSURANCE FOR ADULTS:||
|WHAT ILLNESSES OR CONDITIONS DOES IT COVER?||
Decide how to spend this tax-free cash benefit!
SAVE MONEY WHILE YOU SHOP AROUND FOR FREE!
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!
IT IS TIME TO TAKE OUT
IF YOU ARE + 50 YEARS OLD
|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.
|HOW DOES INSURANCE WORK AFTER 50 YEARS OLD?|
|TYPES OF INSURANCE FOR YOU:||
There are many types of insurance for people over 50 years of age.
Spend as much as you like of this amount!
FIND OUT HOW MUCH IT COSTS!
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.
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:
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.
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:
To be entitled to the benefit, the beneficiary must :
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:
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.
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.
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,
One of our partners will look for a product that
This platform is completely FREE and
does NOT COMMIT YOU TO ANYTHING !
|SOME FEATURES OF CRITICAL ILLNESS AND CANCER INSURANCE|
|Insurer||Number of products||Characteristics of protection for critical illness and cancer|
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.
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.
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.
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.
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.
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.
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.
|Sun Life Financial||
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.
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.
|Blue Cross Quebec||
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.
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.
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.
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.
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.
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.
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 :
To learn more about this RBC Insurance plan, fill out the form on this page.
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.
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.
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.
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.
Fill out the form (it will only take 2 minutes of your time) located on this page to find out a solution for you.
Above all, don’t forget! This form is FREE and is absolutely NO OBLIGATION on your part!
by comparing 20+ insurers in one free request!
« * » indique les champs nécessaires