简中Critical Illness Insurance
Canada is known for its high social welfare. Take Ontario residents as an example. Once you have a serious illness, you can avoid the basic expenses such as doctors’ fees, laboratory test fees, hospitalization fees, and X-ray examinations as long as you have a health card. However, patients still have to pay more for higher level hospital service fees, private care costs, new drugs and medical equipment that are not covered by the government health insurance, and take-out prescription drugs.
Critical Illness Insurance provides a tax-free lump sum benefit to help you respond to the financial impacts of being diagnosed with, and surviving, any of the defined covered illnesses. The insured person is free to spend the benefit any way, such as:
▪ Long-term nursing care
▪ Or lost income for you or for a family member who takes an extended leave from work to provide care
▪ Medications you aren’t already covered for
▪ Travel to treatment centres
▪ Day-to-day or household expenses during recovery
Critical Illness Insurance in Canada covered illness such as cancer, heart attack, major organ transplant. Please see Covered illness for details. You can also choose additional features such as Return of Premium, Long-term care conversion option, and disability waiver.