Critical Illness Insurance

This insurance provides a tax-free lump sum payment to the insured upon the diagnosis and survival of any one of the covered illnesses. Covered illnesses include:
• cancer
• stroke
• heart attack
• by-pass surgery
• major organ transplant
• multiple sclerosis
• Parkinson's
• Alzheimer's
• kidney failure
• paralysis
• aortic surgery
• aplastic anemia
• bacterial meningitis
• benign brain tumour
• blindness
• coma
• deafness
• heart valve replacement
• loss of limbs
• loss of speech
• major organ failure on waiting list
• occupational HIV infection
• severe burns

You may use your payment for whatever you choose. Common uses may include:
• debt reduction
• replace income for time off work
• pay for medical expenses not covered by OHIP or group insurance
• a much needed vacation.

The advantage of providing this coverage as a group plan is that all employees, regardless of their health, can participate.