Critical illness insurance pays a tax-free lump sum if you're diagnosed with a covered condition like cancer, heart attack, or stroke — money you can use however you need while you recover.
Paid out on diagnosis of a covered condition.
Treatment, travel, bills — entirely your choice.
Get premiums back if you never make a claim.
It pays a one-time, tax-free benefit on diagnosis of a covered serious illness — separate from any health or disability coverage. Use it however you need: mortgage, lost income, private treatment, or simply focusing on recovery.
Why it matters even with OHIP
OHIP covers the treatment — not the mortgage, the lost income, the flight for care, the childcare, or the dozens of out-of-pocket costs that pile up during a serious illness.
— Priya Bhatia
Most plans cover the major conditions, with comprehensive plans covering 20+ illnesses.
20+
illnesses covered on comprehensive plans
100%
tax-free — paid as a single lump sum
Refundable
return-of-premium option if you never claim
No pressure, no jargon — just a clear path from your first question to being covered.
We talk through your situation, family, and what's on your mind — in person, by phone, or online.
I work out exactly what you need (and what you don't), so you never over-buy.
I shop multiple insurers and lay the choices out side by side in plain language.
I handle the paperwork with you and follow up with the insurer on your behalf.
Free annual reviews, and I'm here to guide you through any future claim.
We can meet in person, hop on a call, or connect virtually. Whatever feels easiest and most comfortable for you.
No. Disability insurance replaces income monthly while you can't work. Critical illness pays one tax-free lump sum on diagnosis, regardless of whether you keep working.
Book a free, no-pressure consultation. I’ll explain your options in plain language and help you choose with confidence.
