Critical Illness
A critical illness can affect anyone. Surviving a critical illness can be costly. The only thing worse than facing the challenges of recovery is worrying about how much financial damage it can do. The last thing you want to face when you’re busy concentrating on your recovery is seeing your lifestyle affected by financial hardship.
Critical Illness Insurance pays a lump sum benefit, should you be diagnosed with one of the covered conditions of the contract and survive the waiting period. You can get up to $2 Million tax-free if you get diagnosed with a covered condition. If you stay healthy you can get all your money back. The conditions covered under a Critical Illness Policy are:
| Heart Attack | Heart Valve Replacement |
| Cancer | Loss of limbs |
| Stroke | Loss of speech |
| Bypass Surgery | Major Organ Transplantation |
| Alzheimer’s Disease | Major Organ Transplantation Waiting List |
| Parkinson’s Disease | Motor Neuron Disease (ALS – Lou Gehrig’s Disease) |
| Multiple Sclerosis | Occupational HIV injury |
| Kidney Failure | Paralysis |
| Aortic Surgery | Severe burns |
| Benign Brain Tumour | Coronary Angioplasty |
| Blindness | Ductal Carcinoma in Situ of the Breast |
| Coma | Early Stage of Prostate Cancer |
| Deafness |
Benefits are paid lump sum and tax-free. The benefits can be used to:
- Continue providing financial care for your family during a difficult time;
- Travel to another location for specialized care;
- Do whatever you choose to;
- Take charge and direct your medical treatment.
Coverage is offered in different options, including term, lever premium, and limited pay. You may even be eligible to obtain coverage without having to provide evidence of good health; under a guaranteed issue plan.
Whatever your Critical Illness Insurance needs are; we can help you obtain the coverage that is suitable for you.
Contact us for your consultation. info@rorac.ca
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