Critical illness insurance

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For your critical illness insurance needs.

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So you can eliminate financial worry in the event of a critical illness

  • Protect you and your business if you suffer a critical illness or need long-term care
  • Split your critical illness insurance premiums with your business

Why choose Desjardins?


Covers up to 26 illnesses and surgical procedures

Cash advance

Pays a cash advance in various situations, such as for a defibrillator implant


Coverage for your children and the freedom to decide on their care

Multi-coverage discount

Get a competitive rate by combining 2 or more eligible coverage options in the same policy

How does it work?

  • If you’re diagnosed with one of the covered illnesses or require surgery or long-term care, you’ll receive a benefit you can use however you want
  • After the diagnosis, you’ll be paid the tax-free benefit immediately—no waiting period applies, except for cardiovascular conditions and procedures where a survival period of 30 days is applicable note
  • Get coverage for each of your children for 26 covered illnesses and up to 6 childhood diseases so you can take time off to be with them while they’re receiving treatment

Long-term care

If you’re unable to care for yourself, you’ll be paid a tax-free benefit to help you focus on your recovery.

Healthy children

If you don’t submit a claim by the time your premiums have been fully paid, you can receive a premium refund or transfer the coverage to a child, without additional fees.

Additional coverage

  • Premature death: Your loved ones will be paid 100% of the premiums paid or 25% of your coverage amount, whichever is higher
  • Good health: If you remain healthy, you’ll receive up to 100% of what you’ve already paid
  • Enhanced coverage for children: You can cover your children for certain additional childhood diseases
  • Accident: In case of an accident, you and your children are covered
  • Disability: If you’re unable to work because of a disability, we’ll pay your premiums for up to 5 months
  • Split your critical illness insurance premiums with your business
  • A tax-free lump-sum benefit will be paid:
    • To your business if you’re diagnosed with a critical illness or you die
    • To you if you remain healthy—up to 100% of the premiums paid

You and your loved ones always have access to our complimentary assistance services, whether you’re looking for general information or need help getting through a difficult time:

  • 24/7 phone assistance services where you can get advice from a nursing professional on various health matters, including nutrition, vaccination, childcare, medication and the use of natural products
  • Psychological assistance: Speak with a psychologist, either in person or by phone, when you need help with various problems
  • Autonomy assistance: In the event of temporary or permanent loss of autonomy, nursing professionals will coordinate a wide range of non-medical home services to make life easier for you or your caregivers
  • A second medical opinion from a world-renowned doctor, who will study your file and medical history to come up with a tailored treatment plan

Did you know?

You’ll receive your benefit even if you were diagnosed outside of Canada!

Client services

For information about your contract or to change your address

1-888-558-5525 This link will launch your default phone software.

File a claim External link.

Get an insurance coverage

Our financial security advisors are here to help. Let’s discuss your needs and find the coverage that’s right for you.

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You can also reach an advisor by calling 1-866-838-7661 This link will launch your default phone software.
Monday- toFriday, 9 a.m. to 5 p.m. (ET)

This coverage is a product of Desjardins Insurance distributed in Quebec through financial security advisors employed by Desjardins Financial Security, Financial Services Firm. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.

  1. To receive critical illness payment, the illness must meet the definitions of the policy.