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Get Critical Illness Insurance in Toronto

Critical Illness insurance is a contract between an insurance policy holder and an insurer, where the insurer promises to make lump sum payment to designated insured on getting diagnosed with any of the listed critical disease and satisfying survival clause of minimum number of days. Get the benefits of critical illness insurance in Ontario/Kitchener

Types: Both term products and permanent products are available.


  • Helps pay the bills when insured is sick to work.
  • Protects retirement savings.
  • Provides second opinion from medical consultancy point of view.
  • Travel for treatments
  • Childcare during treatment and recovery
  • Domestic help (live-in nurse)


It varies from insurer to insurer but major ones are as follows

  • Cancer
  • Cerebral vascular accident (CVA)
  • Heart attack
  • Coronary artery bypass surgery
  • Kidney failure
  • Major organ transplant
  • Multiple sclerosis
  • Coma
  • Paralysis
  • Dismemberment
  • Blindness
  • Deafness
  • Muteness (loss of speech)
  • Major burns
  • Benign brain tumor
  • Occupational injury HIV
  • Motor neuron disease (Lou Gherig’s disease)
  • Alzheimer’s disease
  • Parkinson’s disease
  • Cystic Fibrosis