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Health and disability insurance

Which coverage is right for me?

Health and disability insurance protect you against the financial consequences of an illness or accident.

See what type of product is best suited to your needs.

Disability insurance (income) Critical illness insurance Long-term care insurance Healthcare insurance
Meet your financial obligations if you can't work because of an accident or illness Focus on your recovery and avoid the financial stress related to a serious illness like cancer or a stroke Avoid becoming a burden on your family if you lose your independence because of an illness like cancer, stroke or Alzheimer's disease Get reimbursed for healthcare expenses not covered under government plans (dental care, vision care, alternative medicine, etc.)
It's the right choice for you if:
  • You don't have group insurance coverage
  • You're in business with partners or you're self-employed
It's the right choice for you if:
  • You want to protect yourself and your loved ones against the financial consequences of a critical illness
It's the right choice for you if:
  • You want access to the best healthcare available
  • You want to be able to afford to hire someone to help you
It's the right choice for you if:
  • You don't have group insurance coverage
  • You're self-employed
Learn more - Learn what our disability insurance products can do for you! Learn more - Learn what our critical illness insurance products can do for you! Learn more - Learn what our long-term care insurance products can do for you! Learn more - Learn what our healthcare insurance products can do for you!

Insurance bundles

Make life easier by bundling your insurance needs.

Our unique, affordable insurance bundles combine coverages geared for people at all stages of life (singles aged 18 to 30, couples, families or retirees).

Learn more - Vision insurance bundles


Check out our comparison table to learn more about the various types of coverages and their corresponding products.

Key features
Disability insurance (income) Critical illness insurance Long-term care insurance Healthcare insurance
Tax-free monthly benefit based on a percentage of your income (generally between 60% and 85%) Tax-free lump-sum benefit Tax-free monthly benefit Tax-free benefits
Cost based on: job risk, benefit payment period, age, etc. Cost based on: duration, insurance amount, age, sex, etc. Cost based on: age, duration and benefit amount selected Cost based on: type of coverage selected (individual, family, couple, etc.) and age
    You don't need to submit any receipts to receive your benefit Payable when you submit your receipts
Learn more - Learn more about disability insurance Learn more - Learn more about critical illness insurance Learn more - Learn more about long-term care insurance Learn more - Learn more about healthcare insurance
Products available
Disability insurance (income) Critical illness insurance Long-term care insurance Healthcare insurance

Vision Disability - Income

Helps make up for lost income related to your disability

Coverage designed especially for salaried employees and self-employed workers earning less than $45,000 a year

Vision Disability - Regular Expenses

Helps cover your everyday expenses (rent, groceries, etc.) as a supplement to other benefits you're receiving

Select Disability Income

Helps make up for lost income related to your disability and is designed especially for salaried employees, self-employed workers and entrepreneurs earning $45,000 or more a year

GetWell Insurance

Offers a lump-sum benefit on the first diagnosis of cancer to help protect you against the financial consequences of an illness

No medical exam required

Vision critical illness product line

Includes coverages that pay a benefit in the event of a critical illness (up to 33 covered illnesses) and reimburses certain homecare expenses

Also provides help coordinating homecare based on your individual needs

Vision Duo Solution

Covers you for life and combines the advantages of life and critical illness insurance

Option to pay off all of your premiums in 10 years, 20 years, or by age 100

Guaranteed surrender values

Vision Independent Lifestyle Solution

Pays a monthly benefit in the event of a loss of independence and offers accident coverage

Also reimburses the costs of an enduring power of attorney (notarized mandate in case of incapacity in Quebec)

Offers a 10% discount if you and your spouse buy this coverage at the same time

Visitors to Canada Insurance

Offers emergency healthcare in the event of an accident or illness.

Vision Healthcare Coverage

Choose from a wide range of healthcare options :

  • Hospital and paramedical care
  • Prescription drugs
  • Dental care

Vision Hospitalization Coverage

Offers a daily benefit for each day of hospitalization or reimburses convalescence expenses

Disability insurance (income)

Disability insurance helps you meet your financial obligations by replacing your income if you have to stop working as a result of an accident or illness.

This type of insurance meets your needs if:

  • You don't have group insurance coverage
  • You're in business with partners or you're self-employed

Features

  • Pays a monthly benefit in the event of disability
  • Benefit amount is based on a percentage of your regular earnings (salary, commissions, etc.)
  • Allows you to use the benefit as you see fit

Products available

Helps make up for the loss of income related to a disability. Coverage designed especially for salaried employees and self-employed workers earning less than $45,000 a year.

Helps cover your everyday expenses (rent, groceries, etc.) as a supplement to other benefits you're receiving.

Helps make up for lost income related to your disability and is designed especially for salaried employees, self-employed workers and entrepreneurs earning $45,000 or more a year

Did you know?

During your working life, you have a 50% chance of becoming disabled for more than 5 months1.

1. "L'Assurance invalidité, talon d'Achille de la planification financière" [Disability insurance: the Achilles heel of financial planning], Les Affaires, March 2006.

Critical illness insurance

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

This type of insurance meets your needs if you want to protect yourself and your loved ones against the financial consequences of a critical illness.

Features

  • Pays you a set benefit amount during your lifetime following the diagnosis of a covered critical illness or surgical procedure
  • Tax-free benefit that can be used as you see fit and allows you to:
    • Pay for medication and healthcare not covered by the provincial plans
    • Access cutting-edge technology or experimental drugs
    • Obtain homecare or housekeeping services (cleaning, meal prep, personal care, babysitting, etc.)
    • Make up for lost income if your spouse takes time off work to be with you
    • Cover transportation and accommodation expenses if you have to travel to receive care or treatment
    • Pay for care from certain healthcare professionals (occupational therapist, osteopath, chiropractor, speech pathologist, etc.)
    • Retrofit your home or car
  • Option to get all or some of your premiums back at the end of the policy period, or if you die while the policy is in force or you terminate the coverage
Learn about our 2 categories of products
WITH coverage needs analysis (by phone) WITH coverage needs analysis (in person)
  • By-phone purchasing
  • Predetermined insurance amount (covers basic needs)
  • No medical exam (you just have to answer a few questions)
  • Quick and easy to buy

  • Meeting with a financial security advisor1 (life and health insurance specialist)
  • Insurance amount adapted to your needs (no limit)
  • Meeting at a location that works best for you (at the caisse or at home)
  • Advice about life, health and disability insurance

Product available:

GetWell Insurance

Products available:

Vision critical illness product line

Vision Duo Solution

1. In Ontario, this refers to a life and health insurance representative employed by Desjardins Insurance. In Quebec, this refers to a financial security advisor employed by Desjardins Financial Security, Financial Services Firm and assigned to a Desjardins caisse.

Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.

Long-term care insurance

With long-term care insurance, you don't have to worry about becoming a burden on your family if you lose your independence because of an accident or an illness like Alzheimer's disease.

This type of insurance meets your needs if:

  • You want access to the best healthcare available without having to dip into your savings
  • You want to be able to afford to hire someone to help you
  • You want to stay at home for as long as possible in the event of a loss of independence

Features

  • Pays a tax-free monthly benefit if you lose your physical or mental independence as a result of an accident or illness
  • Benefit that can be used as you see fit; no need to submit receipts

Product available:

Pays a monthly benefit in the event of a loss of independence and offers accident coverage

Also reimburses the costs of an enduring power of attorney (notarized mandate in case of incapacity in Quebec)

Offers a 10% discount if you and your spouse buy this coverage at the same time

Did you know?

Thanks to medical advances, people are living longer than ever. According to Statistics Canada, life expectancy is age 83 for women and age 78 for men1. Keep in mind that the older you get, the greater your chances are of losing your independence:

Age Dependent seniors2
65 to 74 1 in 3
85 and over 4 in 5

If one day you need help with simple, everyday activities, who will look after you? In 90% of cases, the people who end up providing care are spouses, children, or other family members3.

1. Source: "Perspectives démographiques, Québec et regions" [Demographic perspectives of the province of Quebec], Institut de la statistique du Québec 2001.

2. Source: Quebec's Ministère des Finances, February 2005.

3. Source: "The sandwich generation", Canadian Social Trends Summer 2005, no. 77.

Healthcare insurance

Healthcare insurance pays for healthcare expenses not covered by government health plans (prescription drugs, dental care, etc.).

This type of insurance is right for you if:

  • You don't have group insurance coverage
  • You're self-employed

Features

  • Helps pay for healthcare expenses that are piling up on top of your everyday expenses to ensure your family's financial security:
    • Hospitalization in a semi-private room
    • Prescription drugs (in Quebec, this complements the public prescription drug insurance plan)
    • Nursing and ambulance services
    • Therapeutic devices like orthotics and prosthetics
    • Services from healthcare professionals like physiotherapists, chiropractors, homeopaths and psychologists
    • Dental care, etc.
Learn about our 2 categories of products
WITHOUT coverage needs analysis WITH coverage needs analysis
  • Online purchasing
  • Predetermined insurance amount (covers basic needs)
  • No medical exam (you just have to answer a few questions)
  • Quick and easy to buy

If you want healthcare insurance without a coverage needs analysis, choose the following product:

  • Meeting with a financial security advisor1 (life and health insurance specialist)
  • Insurance amount adapted to your needs (no limit)
  • Meeting at a location that works best for you (at the caisse or at home)
  • Advice about life, health and disability insurance

Product available:

Visitors to Canada Insurance

Products available:

Vision Healthcare Coverage

Vision Hospitalization Coverage

1. In Ontario, this refers to a life and health insurance representative employed by Desjardins Insurance. In Quebec, this refers to a financial security advisor employed by Desjardins Financial Security, Financial Services Firm and assigned to a Desjardins caisse.

Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.

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1-888-647-5384

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