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Critical Illness

What is Critical Illness Insurance?

CI insurance is basically a lump sum cash benefit paid directly to an insured following the diagnosis of a covered illness. It helps manage the potentially significant financial expenses that often arise as a result of illness.

CI insurance is a supplement to group disability and health insurance benefits. Unlike disability benefits, the payment of CI insurance benefits is not dependent on the insured's ability or inability to work, and full recovery will not affect payment. Unlike health insurance, all or a part of the lump sum payment may be used to cover any ongoing or unexpected expenses:

  • daily cost of living
  • uncovered medical expenses
  • child care
  • vacations
  • modifications to home or car
  • etc.