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Do You Need
Critical Illness Insurance?

If you have health insurance, you may assume that you are protected in the case of a medical emergency. But what happens if you come down with a life-threatening illness? In fact, regular health insurance may not cover the exorbitant costs of having a critical illness.

Critical illness insurance protects you from financial ruin even in the worst health emergencies.

In the event of a heart attack, cancer, stroke, or other life-threatening situations, critical illness insurance will have you covered.

How Does Critical Illness Insurance Work?

Your health insurance may cover you when you are injured or come down with an illness, but not when you come down with a potentially fatal condition. If you are diagnosed with a terminal illness, you may face high medical costs, surgeries, and more.

With critical illness insurance, you pay a monthly premium in order to maintain coverage. In the event that you come down with a critical condition, your insurance will then cover a portion of your medical costs. This may save you a ton of money compared to paying out of pocket.

What does critical illness insurance cover?

With critical illness insurance, you’re preparing for the worst medical emergencies. These are conditions that your regular health insurance may not cover. These include:

  • Heart attack
  • Stroke
  • Cancer
  • Coronary bypass
  • Organ transplants

With the right critical illness insurance policy, a significant portion of the costs associated with your medical care may be covered by your provider. Without insurance, you would likely have to pay for your medical care out-of-pocket.

Health Insurance vs Critical Illness Insurance

If you experience an illness or injury, regular health insurance offers you coverage for common medical expenses like medicine, ambulance services, hospital stays, and minor surgeries.

Critical illness insurance, on the other hand, covers the more serious medical emergencies and associated expenses. Having critical illness insurance helps protect you from financial strain in the chance that you are diagnosed with a critical medical condition.

Get the Best Critical Illness Insurance in Canada

Ensure that your financial assets are protected in the case of a major medical emergency with a comprehensive critical illness insurance plan. Use our platform to request insurance quotes, and receive them directly in your inbox.
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Compare Quotes and Get theBest Critical Illness Insurance

If you need critical illness insurance, you’ll want to find the plan with the best coverage at an affordable price. While you could check out multiple sites and talk to reps, this takes time and can become a frustrating process.

Insurdinary makes shopping for insurance easy. Simply enter your information and get quotes directly in your inbox. You’ll be able to compare rates and plans from Canada’s top providers, all in one place.

  • Fewer Out-of-Pocket Expenses
  • Protect You & Your Family
  • Low Monthly Rates
  • Better Coverage When You Need It
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How Do I Save Money
On Critical Illness Insurance

Trying to find the best critical illness insurance? Here are some tips that should help you save some money in the process.
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Compare Quotes

To get the best price on critical illness insurance, we recommend comparing quotes from various insurance providers. You’ll be able to see which illnesses are covered and how much your monthly premium will be. Then, simply choose the most comprehensive and affordable plan for you.

Bundle Your Coverage

Most insurance providers offer better deals if you sign up for insurance bundles. Try to bundle your critical illness insurance with your health insurance to receive better prices for both of them.

Ask For Discounts

Ask your insurance provider about available discounts. The provider might offer discounts you’re not aware of.

Types of Critical Illness Insurance Coverage

Depending on the extent of the coverage they offer, critical illness insurance policies can be classified as:

Basic Coverage Insurances

Critical illness insurance policies that offer basic coverage usually cover the costs of a limited number of conditions and have a low compensation limit. Some of these policies might not offer payment for non-life threatening illnesses, and they might not offer whole life coverage
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Comprehensive Coverage Insurances

Critical illness policies that offer comprehensive coverage usually cover the costs of many conditions and have high coverage amounts. They offer multiple terms, including whole life cover or children’s coverage. In addition, some of these policies might also offer generous partial benefit payouts for non-life threatening conditions.
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Choose the Right Critical Illness Plan for You & Your Family

The last few years have been nothing but easy for the majority of the population. More and more of us have begun planning for the financial well-being of our families in the unfortunate event that we aren't able to provide for our families. But what if our illness is only temporary? While we focus on getting better, Critical Illness can help to cover major expenses over a short period of time.
Heart Attack
Kidney Failure
Life Threatening Cancer
Major Organ Transplant
Coronary Artery Bypass Surgery
Stroke/Cerebral Vascular Incident
And More...
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Critical Illness Insurance
Frequently Asked Questions (FAQ)

Do you need critical illness insurance? What does critical illness insurance cover?
How much does it cost?

Get all of your important questions answered by checking out our
Frequently Asked Questions section below.

What is critical illness insurance?

Critical illness insurance is a type of insurance that compensates you with a lump sum after you are diagnosed with a critical illness. The types of illnesses covered depend on your policy.

Critical illness insurance can help protect you from the financial hardship that often comes with having to pay for expensive medical care out-of-pocket.

Does health insurance cover critical illness?

Every health insurance plan is different, but in most cases, your regular health insurance will not cover critical illness. Critical illness insurance helps fill the gaps in your existing health insurance policy. The illnesses that are covered will depend on your chosen insurance policy.

Do I need critical illness insurance?

Regular health insurance protects you and your family from financial strain if you face a medical emergency. However, not all illnesses are covered – particularly those that are terminal or fatal. While not required, having critical illness insurance helps ensure that you are covered if you are diagnosed with a serious medical condition. Treatment for these conditions can be extremely expensive. If you’re not covered, you will have to pay these costs out-of-pocket.

What does critical illness insurance cover?

Critical illness insurance typically covers serious medical conditions that are not covered by regular health insurance. The list of illnesses covered will vary based on your chosen policy, but critical illness insurance typically covers cancer, stroke, heart attack, coronary bypass, and organ transplants.

How much critical illness insurance should I buy?

The amount of critical illness insurance you get should depend on what is or isn’t covered by your existing health insurance policy. We recommend buying coverage for the most common major medical conditions such as stroke, heart attack, and cancer.

The more conditions you want to be covered in your policy, the higher your monthly premium will be. Therefore, the right policy will be a combination of the coverage you want and the price you can afford.

How do I get a critical insurance quote?

Insurdinary has partnered with Canada’s top critical illness insurance providers to provide you with great insurance quotes. Simply fill out a quick application to get custom quotes sent straight to your inbox.

Do critical insurance rates vary by province?

While public health insurance plans can differ slightly for each province, private critical illness insurance is different. Rates will vary by provider. That’s why it’s important to compare your options. Insurdinary allows you to compare rates from multiple providers online, no matter what province or territory you live in.

Is critical illness insurance worth it?

Signing up for insurance is always a bit of a gamble, as you are paying a monthly premium to prepare for a worst-case scenario. You may never need to use your insurance. However, in the case of a medical emergency, having insurance could save you thousands of dollars or more on medical costs. You’ll be happy that you have critical illness insurance if you are ever diagnosed with a life-threatening condition.

How soon will I get my health insurance quotes?

When you request online insurance quotes from Insurdinary, you will receive quotes from top providers in as little as a few minutes. Simply enter your information and we will send you quotes straight to your inbox.

Get The Lowest Rates
On All Types Of Insurance

With critical illness insurance, you know you’re covered in the worst medical emergencies. But are your home, health, vehicles, and even pets protected? You can never be too prepared.

At Insurdinary, we get you connected with the best rates for all types of insurance. Shop online for the best coverage and prices in Canada.
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