{"id":125656,"date":"2026-11-03T08:00:00","date_gmt":"2026-11-03T13:00:00","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/critical-illness-insurance-for-self-employed-workers-in-quebec\/"},"modified":"2026-11-03T08:00:23","modified_gmt":"2026-11-03T13:00:23","slug":"critical-illness-insurance-for-self-employed-workers-in-quebec","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/critical-illness-insurance-for-self-employed-workers-in-quebec\/","title":{"rendered":"Critical illness insurance for self-employed workers in Quebec"},"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 pour travailleur autonome au Qu\u00e9bec\", \"description\": \"Travailleur autonome au Qu\u00e9bec : pourquoi une assurance maladie grave, comment la combiner \u00e0 l'invalidit\u00e9 et quel capital choisir. Soumission gratuite.\", \"datePublished\": \"2026-11-03\", \"dateModified\": \"2026-11-03\", \"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-travailleur-autonome\/\"}, \"about\": [{\"@type\": \"Thing\", \"name\": \"Assurance maladie grave\"}], \"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\": \"Un travailleur autonome peut-il souscrire une assurance maladie grave ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. Elle se souscrit \u00e0 titre individuel, sans lien avec un employeur.\"}}, {\"@type\": \"Question\", \"name\": \"Les primes sont-elles d\u00e9ductibles d'imp\u00f4t ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"G\u00e9n\u00e9ralement non pour une assurance personnelle. Validez avec un fiscaliste.\"}}, {\"@type\": \"Question\", \"name\": \"Quelle diff\u00e9rence avec l'assurance invalidit\u00e9 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"L'assurance invalidit\u00e9 remplace une partie du revenu pendant l'incapacit\u00e9. La maladie grave verse un capital au diagnostic.\"}}, {\"@type\": \"Question\", \"name\": \"Quel capital choisir ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Souvent un \u00e0 deux ans de revenu net plus les dettes \u00e0 rembourser, \u00e0 ajuster selon votre situation.\"}}, {\"@type\": \"Question\", \"name\": \"Les revenus variables posent-ils probl\u00e8me ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Ils peuvent influencer le capital propos\u00e9 et les justificatifs demand\u00e9s. Un conseiller peut vous guider.\"}}, {\"@type\": \"Question\", \"name\": \"Comment obtenir une soumission ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Remplissez le formulaire en ligne : un conseiller d'un cabinet partenaire inscrit aupr\u00e8s de l'AMF vous contacte.\"}}]}<\/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\": \"Assurance maladie grave pour travailleur autonome au Qu\u00e9bec\", \"item\": \"https:\/\/www.assur360.ca\/blog\/mes-finances\/assurance-maladie-grave-travailleur-autonome\/\"}]}<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px 32px;margin:0 0 32px;\"><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><p style=\"color:#ffffff;font-size:24px;line-height:1.4;font-weight:700;margin:0 0 24px;\">No group plan, no paid leave: a serious diagnosis directly affects your income.<\/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;\">Compare formulas<\/a><\/div>\n\n<p class=\"wp-block-paragraph\">A self-employed person does not have an employer who continues to pay his or her salary. <a href=\"https:\/\/www.assur360.ca\/en\/critical-illness-insurance-4\/\">Critical illness insurance<\/a> can provide a financial cushion for diagnosis. Here&#8217;s how to consider it.<\/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=\"Why-self-employed-workers-are-more-exposed\"><\/span>Why self-employed workers are more exposed<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Without a group plan, the loss of income often begins as soon as you stop working. Fixed costs (rent, mortgage, insurance, contributions) continue. Employment insurance benefits for self-employed workers may exist under certain conditions and after a delay: validate your situation with Service Canada.<\/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=\"Critical-illness-and-disability-two-complementary-coverages\"><\/span>Critical illness and disability: two complementary coverages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.assur360.ca\/en\/disability-insurance-in-quebec\/\">Disability insurance<\/a> replaces part of your income while you are unable to work. Critical illness insurance pays a lump sum for diagnosis. They meet different needs and can be combined.<\/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=\"Choosing-the-right-capital\"><\/span>Choosing the right capital<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">There are often between one and two years of net income, plus business or personal debts to be repaid. Consider your ability to return to work gradually.<\/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=\"Taxation-and-deductibility\"><\/span>Taxation and deductibility<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Premiums for personal critical illness insurance are generally not deductible, and the capital received is generally tax-free. Validate these points with a tax professional depending on your case.<\/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=\"When-the-activity-stops-the-expenses-continue\"><\/span>When the activity stops, the expenses continue<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">A consultant or craftsman who no longer bills for several months must still pay his rent, business insurance, contributions and tools. A lump sum received at the diagnosis helps to get through this period and decide to reduce the workload without panicking.<\/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=\"Example-of-a-combination-of-coverage\"><\/span>Example of a combination of coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">A 40-year-old self-employed person who earns $70,000 a year can choose a critical illness insurance capital of around one to two years of net income, supplemented by disability insurance that pays a portion of the income each month. The exact amounts depend on their profile, debts and other coverage.<\/p>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:20px 24px;margin:24px 0;\"><p style=\"color:#7f1d1d;font-size:15px;line-height:1.6;margin:0;\"><strong>Good to know:<\/strong> Tax rules and public benefits are changing: confirm your situation with a professional.<\/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=\"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;\">Can a self-employed person take out critical illness insurance?<\/summary> <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. It is taken out on an individual basis, without any connection to an employer.<\/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;\">Are premiums tax deductible?<\/summary> <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Generally not for personal insurance. Validate with a tax professional.<\/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 with disability insurance?<\/summary> <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Disability insurance replaces part of the income during the disability. Critical illness pays a lump sum at the diagnosis.<\/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;\">Which capital to choose?<\/summary> <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Often one to two years of net income plus debts to be repaid, to be adjusted according to your situation.<\/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 variable income a problem?<\/summary> <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">It can influence the capital offered and the supporting documents requested. An advisor can guide you.<\/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 quote?<\/summary> <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Fill out the online form: an advisor from a partner firm registered with the AMF will contact you.<\/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;\">Get your critical illness insurance quote<\/p><p style=\"color:#cbd5e1;margin:0 0 24px;\">Free, 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;\">Complete guide, indicative rates, FAQs<\/span><\/a> <a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/critical-illness-insurance-with-a-refund-of-premium-how-it-works\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;\"><strong style=\"color:#0d1f2d;\">Premium refund<\/strong><\/a><a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/how-much-does-critical-illness-insurance-cost-in-quebec-prices-according-to-age\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;\"><strong style=\"color:#0d1f2d;\">How much does critical illness insurance cost in Quebec? Prices by age<\/strong><\/a><a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/critical-illness-insurance-is-it-really-necessary-in-quebec\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:18px;text-decoration:none;\"><strong style=\"color:#0d1f2d;\">Critical illness insurance: is it really necessary in Quebec?<\/strong><\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Guide 2026 \u00b7 Quebec No group plan, no paid leave: a serious diagnosis directly affects your income. Compare formulas A self-employed person [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":125657,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Self-employed critical illness insurance Quebec","_seopress_titles_desc":"Self-employed in Quebec: why critical illness insurance, how to combine it with disability and what capital to choose. 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