Critical illness insurance

Critical illness insurance helps you deal with the expenses arising from a critical illness (e.g. cancer or stroke) so you can focus on getting better.

It's the right choice for you if you want to protect yourself and your loved ones from the financial strain of a critical illness.

Features

• Pays you a set benefit amount while you're alive, following the diagnosis of a covered critical illness or surgical procedure.
• A tax-free benefit that can be used however you want, so you can:
  • purchase medication or healthcare that aren't covered by your provincial plan
  • access cutting-edge technology or experimental drugs
  • pay for homecare services (housekeeping, meal preparation, personal care, babysitting, etc.)
  • compensate for lost income if your spouse takes time off work to be with you
  • cover transportation and accommodations if you have to travel to receive care or treatment
  • pay for care from certain healthcare professionals (occupational therapist, osteopath, chiropractor, speech therapist, etc.)
  • retrofit your home or car
• The option to get all or some of your premiums back at the end of the contract period, if you die while the contract is in force or if you terminate the coverage.
• It can be combined with other coverages, such as:
  • term life insurance
  • permanent life insurance
  • universal life insurance
  • disability insurance
  • long-term care insurance
  • healthcare insurance

Products

Vision Critical Illness Coverage	Pays a benefit if you become critically ill (up to 33 illnesses and surgical procedures are covered) and reimburses certain homecare services. Also offers personalized assistance to help you find a homecare provider.
Vision Duo Solution	Covers you for life and combines the benefits of life and critical illness insurance. Plus, you can choose to pay off your insurance for 10 years, 20 years, or by age 100. Surrender values are guaranteed.

Surviving an illness is one thing, but recovery can be a long and difficult process. Critical illness insurance can help make this process a little easier.

	By e-mail	Fill out the form
	By phone	1-866-838-7661
	At the caisse	Make an appointment with a financial security advisor3 at a caisse.

This coverage is a product of Desjardins Financial Security Life Assurance Company. In Ontario, it's distributed through Desjardins Financial Security Life Assurance Company, and in Quebec through Desjardins Financial Security, Financial Services Firm.

This webpage is for information purposes only. Only the policy and insurance application will be used to settle legal disputes. Some exclusions and restrictions apply.

1. Source: Heart and Stroke Foundation of Canada.
2. Source: Canadian Cancer Society.
3. Life and health insurance agent in Ontario. In Quebec, it refers to a financial security advisor employed by Desjardins Financial Security, Financial Services Firm and assigned to a Desjardins caisse.