What is critical illness insurance?
With Critical Illness coverage, you and your employees can get financial support when they need it most.
Critical illness insurance provides a tax-free lump sum payment you can use for recovery costs and everyday expenses. With no medical questionnaire required, getting covered is stress-free.
Coverage during times of need
If your employee is diagnosed with a critical illness, you’ll know you’ve helped ease the financial burden so they can focus on recovery. Critical illness insurance provides immediate support after a diagnosis of one of the following covered conditions:
- Alzheimer's disease
- Aortic surgery
- Aplastic anemia
- Bacterial meningitis
- Benign brain tumour
- Blindness
- Coma
- Paralysis
- Deafness
- Fulminant viral hepatitis
- Heart attack
- Coronary artery bypass surgery
- Heart valve replacement
- Kidney failure
- Life threatening cancer
- Muscular dystrophy
- Multiple sclerosis
- Loss of limbs
- Loss of speech
- Major organ failure on waiting list
- Major organ transplant
- Motor neuron disease
- Dilated cardiomyopathy
- Severe burns
- Occupational HIV
- Parkinson's disease
- Primary pulmonary hypertension
- Loss of independent existence
- Progressive systemic Sclerosis
- Liver failure of advanced stage
Additional coverage for dependents
Critical Illness coverage is also available for dependent children, payable in a lump sum following the diagnosis of the following conditions:
- Blindness
- Cerebral palsy
- Coma
- Congenital heart disease (requiring surgery)
- Cystic fibrosis
- Deafness
- Diabetes mellitus (Type 1)
- Down syndrome
- Life-threatening cancer
- Loss of speech
- Paralysis
- Major organ transplant
- Mental deficiency
- Muscular dystrophy
- Severe burns
- Spina bifida cystica
Care that goes beyond a diagnosis
Coverage includes a daily hospital cash benefit. Critical Illness insurance helps cover the extra costs that come with a serious diagnosis, such as transportation to treatment, or home retrofits.
This plan also includes extra support from health experts, helping patients and their families find timely, appropriate care at no additional cost.
We are a small family business and benefits were out of reach for us before having the Chambers Plan. Affordability matters and we can access more benefits at a lower price through the Chambers plan than with other benefit options. This makes benefits accessible to small businesses, which in turn makes those businesses more attractive employers.
Lilian Schaer
William Wood-Write Ltd.
Let’s get started!
Just answer a few questions, and we’ll connect you with your local advisor for a free, no-obligation Chambers Plan quote tailored to your business.