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PDF version I hope you’re doing well. I wanted to share a powerful solution for families that often gets overlooked: Child Critical Illness Insurance. With pediatric diagnoses on the rise and families facing increasing financial pressure during health challenges, this coverage can make an enormous difference.
Below is a quick summary of why this product stands out in the Canadian market:
Why This Coverage Stands Out
- 29 critical illnesses covered, including 3 childhood conditions, with the option to add 3 more.
- Includes over 15 less severe diagnoses and procedures with advance payouts (1%–30%).
- The only CI in Canada that covers all cancers plus exclusive cardiovascular procedures.
- No survival period for most illnesses (30 days only for cardiovascular).
- Long-Term Care feature pays 15% (up to $25,000) for temporary or permanent loss of independent existence.
- Return of premium options:
– At maturity (full refund of premiums)
– Upon death (minimum 25% of coverage amount) - Complimentary second medical opinion and assistance services for the family.
Childhood Illnesses Covered
- Autism spectrum disorder
- Rett syndrome
- Cystic fibrosis
Optional: Cerebral palsy, muscular dystrophy, type 1 diabetes
Advance Payouts Available
- Early-stage cancers: 15% (max $50,000)
- Ablation surgeries: 30% (max $100,000)
- Other cancers: 1% (max $5,000)
- Minor cardiovascular procedures: 15% (max $50,000)
If you would like to learn more about our Child CI, please let me know and I would be happy to connect with you!
