Desjardins Critical Illness Insurance
An insurance policy that covers you financially in the event of serious critical illnesses like cancer, heart attack, or stroke.
Common questions
- Life Insurance can protect your family from any financial crisis
- You leave a completely tax-free inheritance to your dear ones or beneficiaries
- Life Insurance can pay for your funeral expenses
- You can clear your debts and loans with Life Insurance
Basic Critical Illness Insurance Coverage
An insurance policy that covers you financially in the event of serious critical illnesses like cancer, heart attack, or stroke.
Why is this Plan Beneficial?
- You will be eligible for a benefit when you are diagnosed with a serious disease for the first time.
- The insurance plan can be purchase easily over the phone.
- Coverage options starting from as low as $7.95/month for adults.
- Your beneficiaries will get a full premium refund if you pass away.
How GetWell Insurance works
GetWell Insurance provides a tax-free, lump-sum benefit on the first diagnosis of a covered critical illness.
- $25,000 for insured individuals between the ages of 54 or younger
- $12,500 for insured individuals between the ages of 55 and 74
- In the unfortunate circumstance,you suffer from an infectious disease, and you will receive 50% of the benefit.
Infectious Disease Coverage Covers the Following:
- Bacterial meningitis,
- Lyme disease
- Flesh-eating disease
- E. coli infection (hamburger disease)
- West Nile virus
What we Offer?
You have the comfort to pay only half the premium for an entire year! A major reason to ensure your whole family.
Tailored Solutions
- Family discount: When you cover multiple family members under the same insurance plan, for each person, you'll save $2.50/month on the premiums.
- Premium refunds: If an insured person who is age 75 or under unfortunately dies while the policy is in effect, all of the premiums paid will be reimbursed.
Get the best Insurance Quote from Desjardins Insurance
Call 1 844-542-4678 to speak to our advisors.
Critical Illness Insurance – Personalized Solutions
At Desjardins, we’ve got an insurance policy for every budget. It does not matter what benefit amount you choose; we offer a wide range of short and long-term coverage options that will make a difference when you’re diagnosed with a critical illness.
An ideal solution because:
- It covers the extra expenses that come with a critical illness plan
- It focusesmore on you getting better while meeting your financial obligations
- Pays for treatment that is not covered under your provincial plan
- It helps you take time off work if you need to care for a critically ill child
- It helps keep your business running smoothly if you aren't able to work
How Critical Illness Insurance Works
Under this insurance plan, you have coverage for up to 26 illnesses and surgical procedures, and you also get a tax-free, lump-sum benefit. When you’re covered with Critical Illness Insurance, you’ll receive the benefit you’ve chosen (between $10,000 to $3,000,000) to use as you deem necessary.
Two options:
- In the event your demise is premature, your beneficiary will receive whichever is higher:
- 100% of the premiums paid
- 25% of the benefit amount
- If you remain healthy until your coverage ends, you will get all of your premiums back.
What we offer
Personalized Coverage
- Business owners: Coverage for partners and tax breaks (26 illnesses, including long term care coverage)
- Children: Build a concrete financial plan with coverage for up to 6 major childhood diseases and 26 illnesses.
- Everyone: complete long-term coverageof up to 26 illnesses
Additional Coverages
- Regardless of their health, cover your children and make sure they'll be able to get life insurance when they grow up.
- You can benefit from a premium holiday if you become disabled.
- In the event of a fracture, safeguard yourself and your children and many more!
Complimentary Assistance Services
- Assistance from a professional psychologist: Under this coverage, you have the option to speak with a clinical psychologist when you require help, either by phone or inperson.
- Autonomy assistance: If the loss of autonomy is temporary or permanent, a registered nurse will coordinate with a range of non-medical home services to make life stress-free for you or your caregivers.
- Second medical opinion: Get a second opinion on a medical condition from a renowned medical professional who will perform an in-depth examination of your medical records and history (by Best Doctors®' registered trademark).
Get the best Insurance Quote from Desjardins Insurance
Call 1 844-542-4678 to speak to our advisors.
Disability Insurance
If you are unable to work due to a serious illness or accident, a disability insurance policy helps recover lost income in these circumstances. It provides the insured coverage that will take care of your medicalexpenses while you spend time focusing on your recovery.
An ideal option if you are:
- An independent individual
- An owner of a business
- A self-employed professional
- Working in jobs that are highly risky
- An employee with limited or no group disability insurance
How a Disability Insurance Policy Works
The insurance policy pays the insured a tax-free monthly amount based on their income from their job. You will be eligible for a tax-free monthly payment until you fully recover from your accident or sickness.
- Upon presenting financial evidence, you are free to select a coverage that protects your income or covers your loan payments.
- If your financial needs change during the first seven years, you can switch one protection for another without having to provide new proof of good health.
- You don't need to pay disability insurance premiums while you're receiving your monthly benefit.
- Before getting your first monthly payment, you must wait a certain amount of time. You can get your money as soon as the first day of hospitalization or day surgery if your waiting time is fewer than 90 days.
What we offer
Personalized Coverage
Based on your specific needs, income, and budget, you decide:
- The monthly amount you will receive - between $400 and $10,000
- The waiting period (between 0 – 2 years) before you receive your first monthly amount.
- The period of benefit period where you will receive the amount every month:
- Two years
- Five years
- Up to the age of 65 or 70, depending on the coverage you choose.
Additional Coverages
Depending on the coverage chosen:
- You can increase the monthly amount to keep up with your income without having to provide new proof of good health.
- If you return to work after being wholly disabled or part-time, you will receive a part of your monthly benefit.
- If you cancel the policy on the dates of surrender, you will receive a 50% refund of premiums paid, excluding any monthly amounts you have received.
- If you are unable to perform the duties of your regular occupation beyond the 24 months provided in your coverage, you will continue to receive monthly amounts.
Complimentary Assistance Services
We provide complimentary assistance services for you and your loved onesonline or over the phone, including:
- 24/7 phone assistance services
- Direct consultation with a highly qualified doctor to answer your questions and confirm a diagnosis and determine a suitable treatment plan.
Get the best Insurance Quote from Desjardins Insurance
Call 1 844-542-4678 to speak to our advisors.
Accident Insurance
Insurance policies like group insurance and provincial health plans do not cover all your accident-related expenses. Our Accirance Select accident insurance here at Desjardins is an affordable additional policy you don’t want to miss out on. Many people worldwide injure themselves living their lives, and it’s better not to take chances if you suffer from an accident.
An ideal option to
- Protect yourself and your loved ones against the financial repercussionsof an accident.
- Get coverage that is reasonably priced without undergoing a medical exam.
- Make sure your benefits are up to date with today's circumstances.
How Accirance Select Accident Insurance Works
You must be 18 years or over to be eligible to apply for Accirance Select accident insurance.
Why choose this policy:
- No need for any medical exam or filling up any health questionnaires.
- Simple and fast enrolment
- 24/7 coverage across the earth
- Coverage provided for the most common severeaccidents and injuries.
- You can ensure the entire family is under one policy. For every additional person, there will be premium discounts.
Personalized Coverage
- Dismemberment, fracture, or inability to use
- Hospital and paramedical expenses for emergency transportation, hospitalization, nursing care, etc.
- In the event of accidental death
- Private tutoring, tuition fees, and other educational expenses.
Assistance Services
You are entitled to free unlimited access to assistance services.
- Support from a Psychologist: A service offered by qualified psychologists who listen and provide support to help you get through in your time of need.
- Convalescence Assistance – Case Management: A telephonic service can refer you to nearby local home care resources to assist with your recovery.
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Get the best Insurance Quote from Desjardins Insurance
Call 1 844-542-4678 to speak to our advisors.
