Critical Illness Coverage with Home Care Services

Is this coverage right for you?

This coverage provides insureds with a tax-free, lump-sum benefit and reimbursement of home care expenses in the event of a critical illness. Insureds also have access to assistance services to ensure the best possible recovery.

Features

	Age 75 option	Age 100 option
Eligible ages	0 to 60 years	0 to 65 years
Cost of coverage	Calculated based on the selected product features (e.g., coverage amount and duration of home care expense reimbursement period) and your situation (age, gender, smoking habits and state of health).
Duration of coverage	Up to age 75 or until the full benefit amount has been paid.	Up to age 100 or until the full benefit amount has been paid.
Coverage amount and use	Tax-free benefit in the amount of $10,000, $25,000, $50,000 or $100,000 or more, up to a maximum of $2 million. This benefit is payable on the diagnosis of one of the 24 illnesses and surgeries covered by the policy. In the event of a critical illness, the lump-sum benefit paid varies based on the insured's medical condition: 100% of the amount selected when the policy was issued if afflicted by one of the 20 covered illnesses or surgeries. 10% of the sum insured up to a maximum of $25,000 if afflicted with one of the 4 covered infectious diseases. You may use the benefit as you wish.	Tax-free benefit in the amount of $50,000 or more, up to a maximum of $2 million. This benefit is payable on the diagnosis of one of the 33 illnesses and surgeries covered by the policy. In the event of a critical illness, the lump-sum benefit paid varies based on the insured's medical condition: 100% of the amount selected when the policy was issued if afflicted by one of the 25 covered illnesses or surgeries. 10% of the sum insured up to a maximum of $25,000 if afflicted with one of the 4 covered infectious diseases. 10% of the sum insured up to a maximum of $50,000 if afflicted with one of the 4 covered illnesses detected in the early stages. You may use the benefit as you wish.
Reimbursement of home care expenses	Maximum of 1% of the coverage amount selected, up to a maximum of $2,500 per month. The reimbursement period can vary between 1 and 2 years, depending on the choices you made when you purchased the policy. Covered services include: nursing care, household maintenance, meals, assistance with personal hygiene, outdoor chores, etc.
Reimbursement of costs of insurance	Available as an option: Possible partial or full reimbursement of the costs of insurance paid if the insured dies before the coverage terminates. Possible partial or full reimbursement of the costs of insurance paid if the policyholder reduces the coverage amount or terminates the coverage.	Available as an option: Possible partial or full reimbursement of the costs of insurance paid if the insured dies before the coverage terminates.
Best Doctors® Inc. services	Access to information and advanced medical expertise.
Personalized assistance services	A nurse will contact you to assess your home care needs, identify the appropriate suppliers and coordinate the delivery of these services.
Contract additions	You may add insureds to your contract as well as additional Vision coverages such as life, critical illness, health and loss of independence insurance.
Other services	You benefit from other Vision contract advantages such as basic coverages and complimentary access to some of the following GPS Program assistance services at no extra charge: Psychological Assistance Convalescence Assistance – referrals Legal Assistance Estate Settlement Assistance Travel Assistance.

To get Critical Illness Coverage with Home Care Services, please meet with a financial security advisor¹ at a caisse or Desjardins Business Centre.

	By e-mail	Write us
	By phone	1-866-838-7661
	At the caisse	Make an appointment with a financial security advisor at a caisse.
	At a Desjardins Business Centre	Make an appointment with a financial security advisor at a Desjardins Business Centre.

The product described above is Desjardins Financial Security Life Assurance Company insurance coverage distributed by Desjardins Financial Security, Financial Services Firm.
This document is provided for informational purposes only. Only the policy and the insurance application will be used to settle legal disputes. Certain exclusions and restrictions may apply.

Best Doctors and other registered trademarks on this page are the property of Best Doctors^TM Inc

1. Life and health insurance agent in Ontario. Financial security advisors are employees of Desjardins Financial Security, Financial Services Firm.