Critical illness insurance

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
Get this product - So you can receive a tax-free payment to help you focus on your recovery.

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 this product

Make an appointment with a representative today. They’ll assess your financial needs and recommend a solution best-suited to your priorities.

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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.