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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 |
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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:
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It's the right choice for you if:
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It's the right choice for you if:
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It's the right choice for you if:
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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! |
Check out our comparison table to learn more about the various types of coverages and their corresponding products.
Disability insurance (income) | Critical illness insurance | Long-term care insurance | Healthcare insurance |
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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 |
Disability insurance (income) | Critical illness insurance | Long-term care insurance | Healthcare insurance |
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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 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 |
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 lineIncludes 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 Health Priorities critical illness insurance Covers all types of cancer and a number of exclusive cardiovascular procedures. Combines permanent life insurance and critical illness coverage 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 |
Choose from a wide range of healthcare options :
Vision Hospitalization Coverage Offers a daily benefit for each day of hospitalization or reimburses convalescence expenses |
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:
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 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.
WITH coverage needs analysis (by phone) | WITH coverage needs analysis (in person) |
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Product available: |
Products available: Health Priorities critical illness insurance |
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.
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:
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 |
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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 pays for healthcare expenses not covered by government health plans (prescription drugs, dental care, etc.).
This type of insurance is right for you if:
WITH coverage needs analysis |
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Products available: |
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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