{"id":118341,"date":"2026-10-13T11:13:16","date_gmt":"2026-10-13T15:13:16","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/critical-illness-insurance-with-a-refund-of-premium-how-it-works\/"},"modified":"2026-10-13T11:13:43","modified_gmt":"2026-10-13T15:13:43","slug":"critical-illness-insurance-with-a-refund-of-premium-how-it-works","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/critical-illness-insurance-with-a-refund-of-premium-how-it-works\/","title":{"rendered":"Critical illness insurance with a refund of premium: how it works"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"headline\": \"Assurance maladie grave avec remboursement de prime : comment \u00e7a fonctionne\", \"description\": \"Assurance maladie grave avec remboursement de prime au Qu\u00e9bec : fonctionnement, co\u00fbt, avantages et limites. Comparez avec un cabinet inscrit \u00e0 l'AMF.\", \"datePublished\": \"2026-10-13\", \"dateModified\": \"2026-10-13\", \"inLanguage\": \"fr-CA\", \"author\": {\"@type\": \"Person\", \"name\": \"Jean Boissonneault\", \"url\": \"https:\/\/www.assur360.ca\/blog\/author\/app\/\", \"description\": \"Jean Boissonneault est propri\u00e9taire d'Assur360 et \u0153uvre en assurance depuis plus de 30 ans.\"}, \"publisher\": {\"@type\": \"Organization\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\", \"logo\": {\"@type\": \"ImageObject\", \"url\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2022\/01\/assur360-logo.png\"}}, \"mainEntityOfPage\": {\"@type\": \"WebPage\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/mes-finances\/assurance-maladie-grave-remboursement-de-prime\/\"}, \"about\": [{\"@type\": \"Thing\", \"name\": \"Assurance maladie grave\"}, {\"@type\": \"Thing\", \"name\": \"Remboursement de prime\"}], \"mentions\": [{\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s financiers\", \"sameAs\": \"https:\/\/lautorite.qc.ca\/\"}], \"isPartOf\": {\"@type\": \"WebSite\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\"}}<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Qu'est-ce que le remboursement de prime en assurance maladie grave ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"C'est une option qui pr\u00e9voit le remboursement de tout ou partie des primes vers\u00e9es si aucune prestation n'a \u00e9t\u00e9 pay\u00e9e, selon les conditions du contrat : \u00e0 la fin du terme, au d\u00e9c\u00e8s ou \u00e0 l'annulation apr\u00e8s un certain nombre d'ann\u00e9es. Les conditions exactes varient d'un contrat \u00e0 l'autre.\"}}, {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte l'option de remboursement de prime ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les primes sont plus \u00e9lev\u00e9es qu'avec une assurance sans remboursement, parfois de fa\u00e7on importante, car l'assureur s'engage \u00e0 rendre des primes. L'\u00e9cart d\u00e9pend de votre \u00e2ge, de votre \u00e9tat de sant\u00e9, du montant assur\u00e9 et de la dur\u00e9e. Seule une soumission donne un prix pr\u00e9cis; tout chiffre publi\u00e9 est indicatif.\"}}, {\"@type\": \"Question\", \"name\": \"Le remboursement est-il garanti ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non. Il n'est vers\u00e9 que si les conditions du contrat sont remplies. En g\u00e9n\u00e9ral, une prestation pay\u00e9e au diagnostic met fin au contrat et le remboursement ne s'applique plus. Lisez attentivement les clauses sur l'expiration, l'annulation et le d\u00e9c\u00e8s.\"}}, {\"@type\": \"Question\", \"name\": \"Quelle est la diff\u00e9rence entre une assurance maladie grave temporaire et permanente ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Une couverture temporaire (10 ans, 20 ans, jusqu'\u00e0 un \u00e2ge donn\u00e9) co\u00fbte moins cher au d\u00e9part, mais prend fin \u00e0 l'\u00e9ch\u00e9ance. Une couverture permanente ou \u00e0 vie maintient la protection plus longtemps, avec des primes plus \u00e9lev\u00e9es. L'option de remboursement peut s'ajouter \u00e0 certaines formules.\"}}, {\"@type\": \"Question\", \"name\": \"Le remboursement de prime est-il imposable ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Le traitement fiscal d\u00e9pend de la formule choisie et de votre situation. Il est pr\u00e9f\u00e9rable de valider ce point avec un fiscaliste ou le conseiller du cabinet partenaire avant de souscrire.\"}}, {\"@type\": \"Question\", \"name\": \"Vaut-il mieux investir la diff\u00e9rence de prime plut\u00f4t que choisir le remboursement ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"C'est une question de pr\u00e9f\u00e9rence et de discipline. Le remboursement est une \u00e9pargne contractuelle encadr\u00e9e, mais \u00e0 rendement g\u00e9n\u00e9ralement faible. Investir soi-m\u00eame la diff\u00e9rence offre plus de flexibilit\u00e9, sans garantie. Un conseiller peut chiffrer les deux sc\u00e9narios selon votre cas.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je ajouter le remboursement de prime \u00e0 un contrat existant ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Dans la plupart des cas, l'option se choisit \u00e0 la souscription et n'est pas ajout\u00e9e plus tard. Certains assureurs permettent de convertir une couverture temporaire. V\u00e9rifiez les droits de transformation pr\u00e9vus \u00e0 votre contrat.\"}}, {\"@type\": \"Question\", \"name\": \"Comment obtenir une soumission d'assurance maladie grave au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Remplissez le formulaire en ligne en environ trois minutes. Un conseiller d'un cabinet partenaire inscrit aupr\u00e8s de l'AMF vous contacte pour comparer les formules, avec et sans remboursement, selon votre profil.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance maladie grave\", \"item\": \"https:\/\/www.assur360.ca\/assurance-maladie-grave\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Remboursement de prime\", \"item\": \"https:\/\/www.assur360.ca\/blog\/mes-finances\/assurance-maladie-grave-remboursement-de-prime\/\"}]}<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px 32px;margin:0 0 32px;\">\n  <p style=\"color:#10c4c7;font-size:13px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;font-weight:700;\">Guide 2026 \u00b7 Quebec<\/p>\n  <p style=\"color:#ffffff;font-size:24px;line-height:1.4;font-weight:700;margin:0 0 16px;\">Getting your premiums back if no serious illness occurs: is it worth the extra cost?<\/p>\n  <p style=\"color:#cbd5e1;font-size:16px;line-height:1.6;margin:0 0 24px;\">How it works, benefits, limitations and questions to ask before choosing the premium refund formula.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-critical-illness-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 32px;border-radius:8px;font-weight:700;text-decoration:none;display:inline-block;\">Compare plans<\/a>\n<\/div>\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.assur360.ca\/en\/critical-illness-insurance-4\/\">Critical illness insurance<\/a> pays a lump sum payment when you are diagnosed with a covered illness, such as cancer, stroke or heart attack. But what if you never get sick and have paid premiums for 20 years? With the <strong>refund of premium<\/strong> option, the insurer can give you back some or all of those premiums, depending on the terms of the contract. This formula comes at a price: here&#8217;s how it works.   <\/p>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:700;margin:40px 0 16px\"><span class=\"ez-toc-section\" id=\"How-premium-refund-works\"><\/span>How premium refund works<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:0 0 24px;\"><div style=\"display:flex;gap:16px;align-items:flex-start;margin:0 0 20px;\"><div style=\"flex:0 0 36px;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;font-weight:800;display:flex;align-items:center;justify-content:center;\">1<\/div><div><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 6px;\">You choose the option when you subscribe<\/h3><p style=\"color:#334155;font-size:15px;line-height:1.7;margin:0;\">The premium refund is usually selected at the time of application. It is not always possible to add it later. <\/p><\/div><\/div><div style=\"display:flex;gap:16px;align-items:flex-start;margin:0 0 20px;\"><div style=\"flex:0 0 36px;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;font-weight:800;display:flex;align-items:center;justify-content:center;\">2<\/div><div><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 6px;\">You pay higher premiums<\/h3><p style=\"color:#334155;font-size:15px;line-height:1.7;margin:0;\">The insurer undertakes to return premiums: the monthly premium is therefore higher than that of insurance without reimbursement.<\/p><\/div><\/div><div style=\"display:flex;gap:16px;align-items:flex-start;margin:0 0 20px;\"><div style=\"flex:0 0 36px;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;font-weight:800;display:flex;align-items:center;justify-content:center;\">3<\/div><div><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 6px;\">The refund depends on the situation<\/h3><p style=\"color:#334155;font-size:15px;line-height:1.7;margin:0;\">Depending on the contract, it can be paid at the end of the term, at cancellation after a certain number of years or at death, if no benefit has been paid.<\/p><\/div><\/div><\/div>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:700;margin:40px 0 16px\"><span class=\"ez-toc-section\" id=\"With-or-without-refund-comparison\"><\/span>With or without refund: comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;\"><table style=\"width:100%;border-collapse:collapse;font-size:15px;margin:0 0 8px;\"><thead><tr><th style=\"background:#0d1f2d;color:#fff;padding:12px;text-align:left;\">Criterion<\/th><th style=\"background:#0d1f2d;color:#fff;padding:12px;text-align:left;\">No refund<\/th><th style=\"background:#0d1f2d;color:#fff;padding:12px;text-align:left;\">With refund<\/th><\/tr><\/thead><tbody><tr style=\"background:#f8fafc;\"><td style=\"padding:12px;font-weight:600;color:#0d1f2d;\">Lower premiums<\/td><td style=\"padding:12px;color:#334155;\"><\/td><td style=\"padding:12px;color:#334155;\">Higher (sometimes significantly)<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px;font-weight:600;color:#0d1f2d;\">If you are never sick Premiums<\/td><td style=\"padding:12px;color:#334155;\">are not refunded<\/td><td style=\"padding:12px;color:#334155;\">Refund possible depending on the conditions<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px;font-weight:600;color:#0d1f2d;\">If a covered illness is diagnosed Paid-up<\/td><td style=\"padding:12px;color:#334155;\">Lump<\/td> sum <td style=\"padding:12px;color:#334155;\">paid-up; reimbursement no longer generally applies<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px;font-weight:600;color:#0d1f2d;\">Budget flexibility<\/td><td style=\"padding:12px;color:#334155;\">Greater<\/td><td style=\"padding:12px;color:#334155;\">Less: long-term commitment<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px;font-weight:600;color:#0d1f2d;\">For whom<\/td> is a <td style=\"padding:12px;color:#334155;\">tight budget or a need for maximum coverage<\/td><td style=\"padding:12px;color:#334155;\">Someone who wants a structured contractual savings plan<\/td><\/tr><\/tbody><\/table><p style=\"color:#64748b;font-size:13px;font-style:italic;\">General information and indicative prices: the conditions vary depending on the insurer and the contract.<\/p><\/div>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:700;margin:40px 0 16px\"><span class=\"ez-toc-section\" id=\"Advantages-and-limitations\"><\/span>Advantages and limitations<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;margin:0 0 24px;\"><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">Benefits<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">You potentially get premiums back if illness doesn&#8217;t occur. This can make the expense easier to justify. It&#8217;s a form of forced savings.  <\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">Limitations<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Higher premiums, long-term commitments, generally low returns. Cancellation too early may not entitle you to a refund. <\/p><\/div><\/div>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:20px 24px;margin:0 0 24px;\"><p style=\"color:#7f1d1d;font-size:15px;line-height:1.6;margin:0;\"><strong>To check before signing:<\/strong> the repayment conditions (expiry, cancellation, death), the waiting period, the exclusions and the illnesses covered. An inaccurate declaration when applying may result in the refusal of a benefit. <\/p><\/div>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:700;margin:40px 0 16px\"><span class=\"ez-toc-section\" id=\"Which-option-to-choose\"><\/span>Which option to choose?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">There is no one-size-fits-all answer. If your priority is the insured amount for the available budget, a non-reimbursement plan can often increase coverage. If you prefer an expense that can be recovered, the reimbursement plan is worth costing. In both cases, also compare the needs of your <a href=\"https:\/\/www.assur360.ca\/en\/disability-insurance-in-quebec\/\">disability insurance<\/a> and <a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-compare-online\/\">life insurance<\/a>.   <\/p>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:700;margin:40px 0 16px\"><span class=\"ez-toc-section\" id=\"Service-throughout-Quebec\"><\/span>Service throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Partner firms registered with the AMF serve clients in <strong>Montr\u00e9al<\/strong>, <strong>Qu\u00e9bec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong> and <strong>Longueuil<\/strong>, by telephone or online.<\/p>\n\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:700;margin:40px 0 16px\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 12px;\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:12px;\">What is a refund of premium in critical illness insurance?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">It is an option that provides for the reimbursement of all or part of the premiums paid if no benefit has been paid, depending on the terms of the contract: at the end of the term, on death or cancellation after a certain number of years. The exact terms vary from one contract to another. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 12px;\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:12px;\">How much does the premium refund option cost?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Premiums are higher than with non-reimbursement insurance, sometimes significantly, because the insurer undertakes to pay premiums. The difference depends on your age, your state of health, the amount insured and the duration. Only a quote gives a precise price; any published figure is indicative.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 12px;\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:12px;\">Is the refund guaranteed?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. It is only paid if the conditions of the contract are met. In general, a benefit paid at diagnosis terminates the contract and the reimbursement no longer applies. Read the expiry, cancellation and death clauses carefully.   <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 12px;\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:12px;\">What is the difference between temporary and permanent critical illness insurance?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Term coverage (10 years, 20 years, up to a certain age) costs less initially but ends at maturity. Permanent or lifetime coverage maintains coverage for longer, with higher premiums. The repayment option may be added to some plans.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 12px;\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:12px;\">Is the premium refund taxable?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The tax treatment depends on the formula chosen and your situation. It is preferable to validate this point with a tax specialist or the advisor of the partner firm before subscribing. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 12px;\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:12px;\">Is it better to invest the difference in premium rather than choosing to repay?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">It&#8217;s a question of preference and discipline. Repayment is a regulated contractual savings, but with a generally low return. Investing the difference yourself offers more flexibility, with no guarantee. An advisor can put a figure on both scenarios depending on your case.   <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 12px;\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:12px;\">Can I add the refund of premium to an existing contract?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">In most cases, the option is chosen at the time of purchase and is not added later. Some insurers allow you to convert term coverage. Check the conversion rights provided for in your contract.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 12px;\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:12px;\">How do I get a critical illness insurance quote in Quebec?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Fill out the online form in about three minutes. An advisor from a partner firm registered with the AMF will contact you to compare the formulas, with and without reimbursement, according to your profile. <\/div><\/details>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:36px 32px;margin:40px 0;text-align:center;\"><p style=\"color:#fff;font-size:24px;font-weight:700;margin:0 0 12px;\">Compare with and without premium refund<\/p><p style=\"color:#cbd5e1;margin:0 0 24px;\">Free quote in 3 minutes, via partner firms registered with the AMF.<\/p><a href=\"https:\/\/www.assur360.ca\/en\/online-critical-illness-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 32px;border-radius:8px;font-weight:700;text-decoration:none;display:inline-block;margin:4px 8px;\">Get My Quote<\/a><a href=\"tel:+18663574451\" style=\"border:2px solid #fff;color:#fff;padding:14px 32px;border-radius:8px;font-weight:700;text-decoration:none;display:inline-block;margin:4px 8px;\">1-866-357-4451<\/a><\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:0 0 24px;\"><a href=\"https:\/\/www.assur360.ca\/en\/critical-illness-insurance-4\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;\"><strong style=\"color:#0d1f2d;\">Critical Illness Insurance in Quebec<\/strong><br \/><span style=\"color:#64748b;font-size:13px;\">Covered Illnesses, Indicative Rates, FAQs<\/span><\/a><a href=\"https:\/\/www.assur360.ca\/en\/disability-insurance-in-quebec\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;\"><strong style=\"color:#0d1f2d;\">Disability Insurance<\/strong><br \/><span style=\"color:#64748b;font-size:13px;\">Replacing income during the shutdown<\/span><\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Guide 2026 \u00b7 Quebec Getting your premiums back if no serious illness occurs: is it worth the extra cost? How it works, [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":118342,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Critical illness with return of premium: 2026 guide","_seopress_titles_desc":"Critical illness insurance with a refund of premium in Quebec: how it works, costs, benefits and limitations. Compare with a firm registered with the AMF.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/10\/001-assurance-maladie-grave-remboursement-prime.jpg","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/10\/001-assurance-maladie-grave-remboursement-prime.jpg","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"Critical illness insurance with return of premium","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"categories":[112,85],"tags":[],"class_list":["post-118341","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-my-finances-2"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/posts\/118341","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=118341"}],"version-history":[{"count":1,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/posts\/118341\/revisions"}],"predecessor-version":[{"id":118343,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/posts\/118341\/revisions\/118343"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/118342"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=118341"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/categories?post=118341"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/tags?post=118341"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}