Personal insurance
Critical illness insurance
Keep financial flexibility after a covered diagnosis.
Role
A lump sum to absorb the shock
Critical illness insurance may pay a lump-sum benefit if a covered diagnosis occurs and contract conditions are met.
That amount can help reduce pressure during recovery, adapt daily life or protect important projects.
What it may help cover
- A temporary income drop or a caregiver's income.
- Treatments, travel or services not covered elsewhere.
- Home adjustments or changes to work rhythm.
- A safety margin to avoid selling investments at the wrong time.
Important difference
It is not the same as disability insurance
Disability insurance is tied to your ability to work and income replacement. Critical illness insurance is tied to a covered diagnosis.
The two protections can therefore serve different needs within the same plan.
Details to compare
- List of covered illnesses.
- Survival period and payment conditions.
- Exclusions and limitations.
- Return-of-premium options, when offered.
My approach
Confirm whether the protection adds real value
We do not add it automatically. We look at your emergency fund, income, budget, responsibilities and existing protection.
Covered illnesses, exclusions, benefits and guarantees depend on the selected contract and underwriting review.
Want to see if it fits?
A first meeting puts this protection in the right context.