List of critical illnesses covered by critical illness insurance (and exclusions)

Critical illness insurance does not cover “all illnesses”. It pays a lump sum when the diagnosis corresponds to the precise definition of the contract. Here are the main families of illnesses generally covered and the points to read closely.

The main families of diseases covered

Extended policies in Canada cover up to 24 critical illnesses and conditions. The most common are listed below.

Early-stage cancers: pay attention to the definition

Non-invasive or very early-stage cancers are often excluded or only eligible for partial payment, depending on the contract. This is one of the points that varies the most from one insurer to another: read the exact definition before choosing.

Exclusions and conditions to be aware of

Survival period : Many policies require survival for a certain number of days after diagnosis (often 30 days).

Waiting period : some cases are not covered during the first few days or months.

Pre-existing conditions : A previously diagnosed or undeclared illness may lead to denial of the benefit.

Medical definitions : A diagnosis is only paid for if it meets the criteria of the contract, which can be strict.

How to read a definition of disease

Each covered disease has a specific medical definition. For example, a stroke must generally cause lasting neurological sequelae, and a heart attack must meet recognized diagnostic criteria. An event that resembles the disease but does not meet the criteria may not be paid.

Before subscribing, ask for the complete list of definitions: it is this document, not the leaflet, that determines the payment.

Partial payments

Some policies provide for a partial payment for less serious situations, such as certain early cancers or angioplasty. The amount is often a percentage of the capital, with a ceiling. If this coverage is important to you, compare it from one insurer to another.

Service throughout Quebec

Partner firms registered with the AMF serve clients in Montréal, Québec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay and Longueuil, by telephone or online.

Frequently asked questions