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Critical Care Illness and Serious Diseases Insurance

Looking for Critical Illness Insurance in Ontario?

Discover the importance of protecting yourself and your loved ones with critical illness and serious disease insurance from InsuranceHero.ca. We understand that unforeseen health challenges can significantly impact your life and finances. Our comprehensive coverage offers peace of mind by providing a lump-sum payment upon diagnosis of a covered critical illness or serious disease. With InsuranceHero.ca, you can safeguard your financial well-being and focus on what matters most: your recovery and your loved ones. Explore our range of options, and let us guide you toward a plan that fits your unique needs.

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Why opt for Insurance Hero?

InsuranceHero.ca offers a wide range of coverage options, cost-effective solutions, exceptional service, advanced technology, and impartial guidance. With our collaboration with multiple reputable insurance partners, we tailor benefits to suit the needs of your workforce. Our cutting-edge quoting technology ensures maximum savings while our dedicated service team delivers prompt assistance. Our user-friendly online platform simplifies the process, and our unbiased advisors prioritize your best interests. Trust InsuranceHero.ca for comprehensive coverage and outstanding service.

What is Critical Care Illness and Serious Diseases Insurance?

Critical Care Illness and Serious Diseases Insurance,  also known as critical illness insurance or serious disease insurance, provides a lump-sum payment upon the diagnosis of a covered critical illness or serious disease. It is designed to offer financial protection and support when individuals experience significant health challenges with coverages such as crisis protection, life-threatening condition coverage, major illness insurance, severe sickness insurance and critical medical event protection.

This insurance coverage typically includes a list of specific critical illnesses or serious diseases that qualify for benefits. The covered conditions may vary depending on the insurance policy and provider but commonly include conditions such as cancer, heart attacks, strokes, organ transplants, paralysis, and major surgeries, among others.

Critical care illness and serious disease insurance offers peace of mind and financial security, allowing individuals to focus on their recovery without the added stress of financial burdens. 


FAQs for Critical Care Illness and Serious Diseases Insurance

What is the difference between critical illness coverage and serious illness coverage?

In Canada, the terms “critical illness coverage” and “serious illness coverage” are often used interchangeably to refer to insurance policies that provide financial protection in the event of a specified major illness. These policies typically offer a lump-sum payment upon the diagnosis of a covered illness, which can help cover medical expenses, ongoing treatment costs, or any other financial obligations.

While there may not be a strict delineation between critical illness coverage and serious illness coverage, it’s important to review each insurance policy’s specific terms and conditions. Different insurance providers may use varying terminology, but the fundamental purpose remains: offering financial support when facing a significant illness.


What is covered under critical illness and serious disease insurance?

Critical illness and serious disease insurance in Canada typically cover a range of specified illnesses or medical conditions, which may include but are not limited to:


Coverage for various types of cancer, such as breast cancer, lung cancer, prostate cancer, and others.

Heart Disease

Protection against heart attacks, coronary artery bypass surgery, heart valve replacement, and other heart-related conditions.


Coverage for strokes resulting in significant neurological damage or permanent neurological deficit.

Organ Transplants

Benefits for major organ transplants, including heart, lung, liver, kidney, or bone marrow transplants.

Neurological Disorders

Coverage for severe conditions like multiple sclerosis, Parkinson’s disease, and ALS (Amyotrophic Lateral Sclerosis).

Major Surgeries

Benefits for specific major surgeries, such as coronary artery bypass surgery or organ removal.


Coverage for paralysis resulting from specific causes, such as spinal cord injury or loss of limbs.

Kidney Failure

Protection for end-stage renal failure requiring dialysis or kidney transplantation.

Loss of Sight or Hearing

Coverage for significant and permanent loss of sight or hearing.

Specific coverage and conditions covered can vary depending on the insurance policy and provider. Reviewing the policy documents and consulting with a licensed insurance professional can provide detailed information about the coverage offered under a particular critical illness and serious disease insurance plan in Canada.


What conditions are considered critical illnesses?

Critical illnesses can vary depending on the insurance policy and provider. However, some common conditions that are often considered critical illnesses include:

  • Cancer (specific types and stages)
  • Heart attack
  • Stroke
  • Coronary artery bypass surgery
  • Kidney failure
  • Major organ transplantation
  • Multiple sclerosis
  • Parkinson’s disease
  • ALS (Amyotrophic Lateral Sclerosis)
  • Paralysis
  • Blindness
  • Deafness
  • Coma
  • Severe burns
  • Loss of limbs
  • Motor neuron disease
  • Aortic surgery
  • Benign brain tumour


Can you get critical illness coverage after diagnosis?

Generally, critical illness coverage is designed to provide financial protection in the event of a future diagnosis of a covered illness. Therefore, it is typically not possible to obtain critical illness coverage in Canada after already being diagnosed with a critical illness.

Insurance policies, including critical illness coverage, typically have exclusions for pre-existing conditions. This means that if you have already been diagnosed with a critical illness, it is unlikely that you will be eligible for coverage for that specific condition under a new policy.


Who can get critical illness insurance?

Almost anyone can get critical illness insurance. Most insurance companies provide this type of health insurance from as early as 30 days after birth up to the age of 65. In fact, it’s quite common for parents to purchase critical illness insurance for their kids. This not only serves as a safeguard throughout their professional lives but is also frequently intended as a valuable asset to be passed down to their grown children if the insurance is set up appropriately.

Would you like to protect your life and ensure financial security in case of challenging sickness? Insurance Hero offers competitively-priced and impactful critical care insurance that can be tailored to your needs.

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The Benefits of Critical Illness Insurance


Lump-Sum Payment
Access your lump-sum benefit to pay for best medical services, maintain financial security or aid your recovery how you see fit.

Best Doctors Services
Access health care resources and recognized experts who can confirm your diagnoses and make recommendations.

Daily Living Assistance
Receive access to a recovery coach who can help manage your day-to-day and ensure support and motivation.

Flexible Options
Choose options that can enhance your financial plan. Some carriers have options such as return-of-premium, meaning you can get all your premiums back at a specific age such as 65 if you don’t become ill during your working years.

At Insurance Hero, we know the necessity and value of creating a custom plan that fits with your requirements and planning. From affordable, comprehensive protection to simple and accessible benefits – our knowledgeable specialists will go over all the details with you. To receive a complimentary quote, connect with a hero today.

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