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Your lifestyle, medical history, and financial responsibilities determine which coverage is best for you.
We analyze your goals and present you with coverage options tailored to your age, health and risk level. Clear explanations. No confusion.
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If you choose to apply, a licensed advisor will guide you through every step of the way so that nothing seems complicated.
Compensation from your critical illness insurance can be used to cover your medical expenses, to compensate for lost income, to finance your trips for care, to adapt your home, to repay your debts or to compensate for your absence from work. You decide how this money will contribute to your recovery.
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Understand what conditions are covered and how benefits work.
Use your advantage as your situation requires.
Choose coverage knowing that you are financially prepared.
Talk to licensed Canadian counsellors who will explain your options in simple terms and help you make a confident choice.
Talk to an Expert
Most plans cover major conditions such as cancer, heart attack, stroke, and other serious conditions that have a significant impact on your life.
A condition must meet the medical definition set out in your insurance policy. We help you understand exactly what's eligible.
Coverage often includes more than twenty-five conditions depending on the insurer, including organ failure, major surgery, and neurological conditions.
The most common conditions are cancer, infarction, and stroke. Many contracts also cover other serious illnesses.
Conditions that do not meet the definition of the insurance policy or early-stage illnesses are generally not covered. Pre-existing conditions may also impact eligibility.
Most insurance policies only pay one payment. Some improved plans offer multiple payments for different conditions.
Benefits generally range from ten thousand dollars to one million dollars depending on the plan chosen.
For many Canadians, yes. This protects your finances during treatment and recovery, at a time when your earnings may be interrupted.
If a serious illness should have an impact on your income, savings, or lifestyle, this coverage provides you with significant financial support.
Coverage is limited to specific, defined conditions, and some early-stage illnesses may not be eligible.
Many Canadians buy it between the ages of 20 and 40 when premiums are lower and approval is easier.
An application may be refused if the condition does not meet the medical definition or if medical information was missing when the application was filed.
Protection when you need it most. A serious illness shouldn't force you to make financial decisions at the most difficult times in your life. Clic Prime helps you get coverage that gives you flexibility, control, and financial support when your health is your priority.
