Critical Illness Insurance

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The reason why life insurance rates have decreased dramatically over the past several decades is that life expectancy and medical technology has improved.  The chances of somebody surviving cancer, heart attack or stroke today are much better then when your parents were your age.  While all patients look to a speedy recovery when diagnosed with a critical illness, most often, their financial outlook can suffer.  


Critical illness insurance allows for a tax free, lump sum payout after a 30 day survival period of a covered critical illness.  Unlike disability insurance, the benefit amount will pay out regardless of your ability to work, and you determine how to spend this money.  Critical illness policies can be set up so that your premiums are returned to you after a certain period of time, such as at 15 years, 20 years or at age 65 if you do not make a claim. 


Many critical illness policies include a medical referral service such as Best Doctors.  Best Doctors provide an in-depth review of your medical records and will provide a second opinion by specialists affiliated with leading medical institutions throughout the world.  They will also help locate medical specialists in your specific geographic region.


There are up to 25 covered conditions, including:



  • Alzheimer’s Disease

  • Aortic Surgery

  • Aplastic Anaemia

  • Bacterial Meningitis

  • Benign Brain Tumour

  • Blindness

  • Coma

  • Coronary Artery Bypass Surgery

  • Deafness

  • Heart Attack

  • Heart Valve Replacement

  • Kidney Failure

  • Life-Threatening Cancer

  • Loss of independent existence

  • Loss of Limbs

  • Loss of Speech

  • Major Organ Transplant on Waiting List

  • Major Organ Transplant

  • Motor Neuron Disease

  • Multiple Sclerosis

  • Occupational HIV Infection

  • Paralysis

  • Parkinson’s Disease

  • Severe Burns

  • Stroke

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