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Critical Illness Insurance


Protect your health and your finances with Critical Illness Insurance.

What is Critical Illness Insurance?

Critical illness insurance is a form of medical insurance that provides a lump-sum payout in the event that you are diagnosed with a major illness. This payout can help you avoid financial difficulties when dealing with a health emergency, by providing you with income replacement while you're recovering, as well as covering travel or care expenses.

Types of Critical Illness Insurance

The conditions that are covered by critical illness insurance can vary depending on the policy, but here are some common ailments that are often included:


A critical illness insurance policy may cover different types of cancer, such as breast cancer, lung cancer, prostate cancer and so on.

Chest Pain

If you experience severe chest pain that is indicative of a heart attack, a critical illness policy may provide coverage.


A critical illness policy may cover strokes, which occur when blood flow to the brain is interrupted, leading to damage or death of brain cells.


Some critical illness policies may cover blindness caused by specific conditions, such as macular degeneration or glaucoma.


A critical illness policy may provide coverage for Alzheimer's disease, a type of dementia that affects memory, thinking and behaviour.

Multiple Sclerosis

This is a chronic autoimmune disease that affects the nervous system. Some critical illness policies may provide coverage for it.

Organ Transplantation

If you require an organ transplant, critical illness insurance can provide financial assistance to cover the costs associated with the surgery, recovery and follow-up care.

Renal Failure

A critical illness policy may cover renal failure, which occurs when the kidneys are no longer able to filter waste and excess fluid from the blood.


Some critical illness policies may provide coverage for paralysis caused by a stroke, spinal cord injury, or other medical conditions.

Product Highlights

Critical Illness Insurance Options

Protect yourself from the financial impact of a serious illness with our Critical Illness Insurance coverage, offering you serenity when you need it most. It includes:

Wide Coverage

Wide Coverage

Our critical illness coverage provides extensive protection against a range of serious illnesses, including cancer, heart attack, stroke and more. With a lump-sum payout, you can focus on your recovery and manage your finances without worrying about day-to-day expenses.

Customizable Plans

Customizable Plans

Our plans are designed to meet your unique needs and budget. You can choose from different benefit amounts, waiting periods and coverage durations to find the right fit for you.

Additional Benefits

Additional Benefits

In addition to the lump-sum payout, our critical illness coverage may also include other benefits, such as travel assistance, home care benefits and more. You can customize your plan to include the benefits that matter most to you.

Easy Application Process

Easy Application Process

Applying for critical illness coverage is simple and straightforward. You can get a quote online or through one of our advisors and the application process typically involves a few medical questions.

Peace of Mind

Peace of Mind

With critical illness coverage, you can have peace of mind knowing that you're protected in the event of a serious illness. You can focus on your health and well-being without worrying about the financial impact of a health emergency.


Why Take Critical Illness Insurance?

Critical illness insurance is a safeguard designed to alleviate the financial burden and stress that can come with the diagnosis of a severe illness. It provides policyholders with a lump-sum payment that can be utilized in a variety of ways, including covering medical expenses, ensuring a continuity of daily living expenses, or taking care of family needs during this difficult period. Below are some of the key benefits of having your financial safety net with this insurance policy:

Covers Additional Costs

Provincial or territory health coverage does not always cover all the costs associated with a critical illness. Critical illness insurance can help cover additional expenses such as travel costs to receive treatment, home care and specialised medical treatments that may not be covered by the government plan.

Lump-sum Payment

Critical illness insurance provides a one-time payment to the policyholder, which can help alleviate financial stress during a difficult time. This payment can be used to pay off debts, cover living expenses and take care of any other financial obligations.

Reduced Financial Stress

Being diagnosed with a critical illness can be emotionally and financially stressful for the policyholder and their family. Critical illness insurance can reduce financial stress, allowing individuals to concentrate on their recovery without worrying about finances.

What is Covered by Critical Illness Insurance?

Critical illness insurance provides a lump sum payout in case of a serious illness diagnosis. This policy will assist you in managing your finances if you are diagnosed with serious sickness and is the best policy to choose if you have the fear of falling seriously ill. The payout can be used for various purposes such as:

  • Replacing lost income due to the illness.
  • Maintaining a business while recovering.
  • Paying off a mortgage or other debts.
  • Financing specialised medical care.
  • Adapting a home for disability requirements.


Get Started

01 Step

Get a Personalised Quote

Enter your information to receive a customised quote for your Critical Illness Insurance policy. You'll see your monthly rate and options for coverage.

02 Step

Apply for Coverage

Choose the plan that meets your needs and apply for coverage. You may need to provide medical information or undergo a physical exam.

03 Step

Sit Back and Relax

Your advisor will handle the rest, including all the paperwork. Once your application is processed and approved, you'll be covered in case of Critical Illness.


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We at MyLegacy Insurance Services are made up of passionate individuals who are committed to helping North American families achieve financial freedom.