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Health Insurance

There are 4 different types of health insurance products that provide protection against the many healthcare costs not covered by government plans in unforeseen circumstances at each stage of life. 

1.    Personal Health Insurance

Personal Health Insurance helps you pay for everyday health care expenses that are not covered under OHIP, such as dental services, prescription drugs, vision care, extended health care and hospital and ambulance services. 

You should consider personal health insurance if you:
•    Are self-employed
•    Are a young adult who no longer qualifies to be covered under your parents’ group benefits plan
•    Do not have health benefits through your employer
•    Are retiring or losing your group coverage
•    Would like additional benefits not offered by your current group insurance plan 

2.    Critical Illness Insurance

Critical Illness Insurance pays a financial benefit to you in the event that you are diagnosed with any condition found on a specified list of critical illnesses. All of our policies cover the four most serious and prevalent health conditions, which include: heart attack, life-threatening cancers, stroke and heart bypass surgery. Thereafter, up to 23 other illnesses and conditions can be covered depending on the plan you choose. 

If you are diagnosed with a critical illness, and once the waiting period expires, you will receive a lump-sum, tax-free benefit that is yours to spend as you wish. This can help pay for medical expenses, mortgage payments, living expenses as you recover, or a much-needed vacation. 



3.    Disability Insurance 

Disability Insurance is designed to replace a portion of your income should you become disabled and are unable to work due to the disability. A disability can result from a number of causes, including an injury, illness or mental health issue. The duration of a disability can be either short- or long-term. 

4.    Long-Term Care Insurance

Long-Term Care Insurance provides a benefit that helps cover the cost of nursing home or attendant home care fees. If you are no longer able to care for yourself due to diminished physical or mental abilities, you will receive a daily or weekly benefit depending on the plan. 



As the population ages, more and more people will experience the need for long-term care. The expenses associated with these services are likely the biggest risk to retirement savings. Get peace of mind in knowing that you will be able to afford the care you need without burdening your family with the costs.