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CRITICAL ILLNESS INSURANCE
Specialized underwriting services for accurate risk assessment, pricing, and tailored coverage solutions across Life and P&C lines.
Critical Illness Insurance – Protect Your Financial Future
A serious illness can affect more than your health—it can also create unexpected financial challenges for you and your family. Medical expenses, lost income, mortgage payments and everyday household costs can become difficult to manage while you focus on recovery.
Critical Illness (CI) Insurance provides financial protection by paying a lump-sum benefit if you are diagnosed with a covered critical illness and meet the conditions specified in your policy.
Why Consider Critical Illness Insurance?
Depending on your policy and financial circumstances, the benefit may help you:
Cover mortgage payments, personal loans and other outstanding debts.
Manage household expenses during an interruption to your income.
Pay for additional medical care, rehabilitation, private nursing or recovery assistance.
Support childcare and other family responsibilities.
Maintain financial stability while you concentrate on your recovery.
Address business continuity expenses if you are self-employed or own an incorporated business, where appropriate.
Who Should Consider CI Insurance?
Critical Illness Insurance may be worth exploring if you are employed, self-employed, an incorporated business owner or responsible for supporting dependants. It can complement your existing life, disability and health insurance, although each product serves a different purpose.
Coverage varies by insurer and policy. Covered conditions may include cancer, heart attack, stroke and other specified illnesses. A diagnosis does not automatically guarantee payment; the condition must meet the policy definition and all applicable claim requirements.
Why Consider Critical Illness Insurance?
Your potential coverage needs depend on your income, household expenses, debts, recovery costs, existing insurance and available savings.
Use our Critical Illness Protection Calculator to estimate your potential financial needs and identify a possible protection gap. Your result is an illustrative estimate, not an insurance quote or personalized coverage recommendation.
Take the first step towards greater financial preparedness.
Explore your options with InsuredYou and request a personalized insurance review to understand the coverage that may suit your circumstances.
Insurance is subject to eligibility, underwriting, policy terms, exclusions and limitations. Review the applicable policy wording before making a decision.
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