Health Insurance

Considered how changes in your health can impact your financial plans and available choices.


des lon.jpg

Critical Illness Insurance

The survival rates of people who suffer critical illnesses such as cancer, stroke and heart disease have dramatically improved with the recent medical advances. Government health care programs provide only the basics and recovery may come with a significant financial cost impacting both you and the people close to you.

Our plans offers the financial help to pay the costs associated with life-altering illnesses. Should you become sick with an illness covered by your policy and survive the waiting period, you will receive a lump-sum cash payment.

Critical Illness insurance is an effective solution if you are seeking:

  • To replace any reduced or lost income for you and your spouse, who may take time off work to care for you
  • Reduce your debt and other financial concerns while you deal with your illness
  • Hire additional help at home for you and your family
  • Consider new medical treatments and medications not covered by private or government health insurance plans
  • Allow you to undertake out-of-country or alternative therapies.
  • Keep your business viable

Covered Conditions:

  • Heart attack
  • Alzheimer's disease
  • Bacterial meningitis
  • Coronary artery bypass
  • Heart valve replacement
  • Loss of limbs
  • Major organ failure on waiting list for transplant
  • Occupational HIV infection
  • Severe burns
  • Cancer
  • Aplastic anaemia
  • Blindness
  • Deafness
  • Loss of independent existence*
  • Major organ transplant
  • Multiple sclerosis
  • Parkinson's disease
  • Stroke
  • Aortic surgery
  • Benign brain tumour
  • Coma
  • Kidney failure
  • Loss of speech
  • Motor neuron disease
  • Paralysis

Long Term Care Insurance:

An income-style benefit should you become unable to care for yourself due to aging, an accident, illness or deteriorated mental abilities. The money is for you and your family to use as you wish – you do not need to submit receipts for reimbursement – giving you more control and choice while helping to protect your savings and income. It also helps to protect your retirement plan, making it easier to choose the care you want when you need it most. 

Long Term Care insurance is an effective solution if you are seeking:

  • Financial resources to assist you in choosing the type and level of care that’s right for if need substantial care later in life as you age or if you have an accident.
  • To bring care into your home so that you do not need immediately downsize or move to a facility as you age
  • Lighten burden on care-givers and support your family financially if the decision is for you to live with them if you need care

Learn more about Long Term Care Insurance.


    des con.jpg

    Personal Health Insurance:

    Personal health insurance plans assist to lower your risk of being burdened by expenses for preventive care or medical bills as a result of an illness or accident. Provincial health plans provide coverage for many health expenses however there may be gaps that would have a significant impact on your finances. The impact may leave you paying out of pocket for:

    • Prescription drugs to treat serious and chronic health conditions
    • Emergency medical services in another country
    • Practitioners like physiotherapists to promote wellness or help with injury recovery
    • Medical equipment to assist you with day to day activities

    Personal Health insurance is an effective solution if you:

    Disability Insurance

    An insurance designed to replace an amount of your income should you become disabled and are unable to earn an income. It provides you with a non-taxable monthly benefit allowing you to maintain your lifestyle during a time of injury or sickness that prevents you from performing the important duties of your occupation.

    There are various kinds of coverage, including individual and group insurance plans. There are also government plans such as workers’ compensation and benefits provided under the Canada Pension Plan. Disability insurance is an effective solution if you are:

    • An independent contractor or self employed
    • Do not have health benefits provided by your employer
    • Are seeking additional benefits not offered by your employer’s plan or provincial health plan

    Find out more information.