Critical Illness Insurance for Association Members

Although it has been in Europe for some time now, Critical Illness Insurance is fairly new to the North American market place. Critical Illness Insurance was created because more and more people were surviving serious illnesses such as cancer or heart disease. Even though they had physically survived the illness, they found themselves financially devastated because of treatment costs.

Critical Illness Insurance pays the insured a lump sum benefit upon DIAGNOSIS of a listed critical illness. Most people, when given the benefit, will use it to get the best treatment for their illness but really the choice is theirs. They can use the money to make modifications to their home, pay off their mortgage or go on a stress relief holiday. It is really up to you.

If you have been diagnosed with a critical illness and want treatment, many insurance companies are partnered with medical specialists to help find you the best treatment in North America. Some companies will also offer second opinions and counseling services on how to live with a serious medical condition.

If you think hard, how many people do you know that have cancer or have had a stroke or heart attack? In today’s society it’s not far fetched to accept cancer and other serious illnesses as a reality.

In Canada:

  • 1 in 4 people suffer from heart disease
  • More than 50,000 suffer a stroke each year
  • 1 in 3 develop a life-threatening cancer
  • More than 50,000 have Multiple Sclerosis

Advances in medical science and increasing life expectancy means you have an excellent chance of surviving a critical illness.


Covered conditions

  • Heart attack
  • Stroke
  • Cancer
  • Heart Bypass surgery
  • Major organ transplant
  • Multiple Sclerosis
  • Parkinson’s
  • Alzheimer’s
  • Motor Neuron Disease (ALS or Lou Gehrig’s)
  • Occupational HIV
  • Kidney failure
  • Paralysis
  • Loss of limbs
  • Loss of speech
  • Blindness
  • Deafness
  • Benign brain tumor *
  • Coma
  • Severe burns

* Covered by most insurance companies


Let us help determine the amount and type of Critical Illness Insurance that best suits your needs

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