You told us what you want to know
about critical illness insurance
Caution
This booklet contains answers to the kinds of questions Canadians ask about critical
illness insurance.
It will help you to:
• understand what critical illness insurance is and what it covers;
• understand the different types of policies and options;
• understand what happens when you apply and when there's a claim; and
• develop knowledge and questions to discuss with your agent.
It's intended to provide information and insights to help you to navigate and understand
your options when choosing critical illness insurance.
This booklet is not a substitute for talking with a qualified insurance agent. It is a starting
point and a handy reference you will want to keep with your insurance policies. We
suggest you start with the table of contents and look for the topics you're most interested
in.
This booklet is one of several on insurance products and topics produced by the
Canadian Life and Health Insurance Association (CLHIA). We do not promote any one
insurer or any insurance policy or plan. We leave that choice to you.
To find other consumer guides on insurance topics visit www.clhia.ca/consumers.
This booklet is intended to present a wide variety of general information on
critical illness insurance as simply and as accurately as possible. But it is not a
legal document. Court rulings, legislation, and the terms of the policy contract
may change some of the rules and conditions stated here. If you have specific
questions, check your policy and contact your insurance agent or insurance
company.
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A GUIDE TO CRITICAL ILLNESS INSURANCE
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