Critical illness insurance

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For your critical illness insurance needs.

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So you can receive a tax-free payment to help you focus on your recovery

  • Access new technologies and experimental drugs
  • Cover unexpected costs for you or your kids (e.g., a private hospital room or drugs not covered by your provincial plan or group insurance)
  • Allows your spouse to take time off to be with you while you’re receiving treatment

Why choose Desjardins?


Covers all types of cancer

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
  • 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

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:

  • A health and well-being platform with reliable resources to help you make informed decisions
  • 24/7 phone assistance services
  • Psychological counselling, as well as support from a health assistance team during recovery
  • Leading medical specialists from world-renowned institutions such as the Mayo Clinic who will provide an expert second opinion on the diagnosis and treatment plan (by Best Doctors®)

Did you know?

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

Client services

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.

Fill out the form External link. Opens in a new window.

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.