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What is Critical illness insurance?

What is Critical illness insurance?

What is Critical illness insurance?

Critical illness provides a lump sum cash payment in the event that the policyholder is diagnosed with one or more specific illnesses on a predetermined list as part of an insurance policy. The policy may require the policyholder to survive a minimum number of days (the survival period) from when the illness was first diagnosed.

Conditions covered

The schedule of insured illnesses varies between insurance companies but typically, four conditions are covered by the policy, heart attack, cancer, stroke and coronary artery by-pass surgery.
Examples of other conditions that might be covered include:
  • Alzheimer’s disease
  • Aortic surgery
  • Aplastic anaemia
  • Bacterial meningitis
  • Benign brain tumour
  • Blindness
  • Cancer (life-threatening)
  • Coma
  • Coronary artery- bypass surgery
  • Deafness
  • Heart attack
  • Heart valve replacement
  • Kidney failure
  • Loss of independent existence
  • Loss of limbs
  • Loss of speech
  • Major organ transplant
  • Major organ failure on waiting list
  • Motor neuron disease
  • Multiple sclerosis
  • Occupational HIV infection
  • Paralysis
  • Parkinson’s disease
  • Severe burns
  • Stroke (Cerebrovascular accident)
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  • Rasoul K.

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    After talking to many different insurance companies, I spoke to Ensurco New Business Team. They returned my call quickly, provided the best rate and helped me set up a home insurance policy within an hour. Great service!

    Rasoul K.
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    I recently sent Ensurco an email requesting changes to my auto policy. I got a quick response. All the changes were completed in a timely manner and I received a detailed email with my billing schedule attached.

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    Amazing staff to deal with. Very fast and efficient. My broker explained the difference between condo insurance and condo corporation insurance.  Thank you!

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    I was in a time crunch to get an auto application done on a Friday afternoon as I was picking up a new car. I called my customer service rep at Ensurco and she was able to get me a quote, provide an application and even send confirmation to my dealer with a liability slip. Keep up the good work.

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    As a high risk driver, I was looking for a good rate as well as good coverage. I spoke to an Ensurco broker who helped me set up a 6 month policy so that I can eventually move to a regular market at less premium. You guys came through when no one else cared.  Thank you so much for your help. :)

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    When my son and I decided to travel to Calgary for a week, I called my broker at Ensurco who was able to provide me with great coverage at a really good price. I got my travel documents by email within 10 minutes. Exceptional timing!

    Mark C.
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    Claims service! Most people dread talking to an insurance company or broker to report a claim. But I recently called my insurance broker at Ensurco about a possible water damage claim. He was able to guide me through the process.  The decision was mine as to whether or not I would proceed with the claim.  If so, he explained that he could connect me directly with the insurance company adjuster and resolve the issue. Great advice and great service.  Thanks Ensurco!

    Don S.