Critical Illness Insurance

For insurance without a medical exam

Offers you a coverage solution if you do not wish to undergo a medical exam or if your health prevents you from obtaining critical illness insurance. You need only answer a few questions about your health to obtain coverage.

Transition – Simplified Issue insurance without a medical exam offers:

  • Coverage for 4 illnesses.
  • Premiums that will never increase. 
  • Acceptance without a medical exam. 
  • The possibility to recover the amount of all premiums paid after a certain number of years. 
  • The possibility for your beneficiaries to receive the total amount of all premiums paid after your death.

For coverage that is easy to plan

Protects you for 10 or 20 years, up to 75 years of age or for your lifetime.

Transition insurance offers:

  • Coverage for 30 illnesses and conditions, including 5 juvenile illnesses.
  • Premiums that will never increase. 
  • The possibility of adding coverage for your children and future children. 
  • The possibility of a return of premiums on your death.

For permanent and progessive protection

Protects you for life.

Transition Evolution insurance offers: 

  • Coverage for 30 illnesses and conditions, including 5 juvenile illnesses.
  • Premiums are revised every 5 years. 
  • A return of premiums upon death. 
  • An evolving definition of illnesses and medical conditions to take into account new market trends.

For coverage without a medical exam

Covers you for a limited period of time in the event of cancer or a life-threatening illness. You need only answer 2 - 4 questions, depending on the coverage desired.

CancerGuard offers:

  • Coverage for the majority of cancers.
  • The possibility to add coverage for 5 critical illnesses.
  • Acceptance without a medical exam.
  • A lump-sum payment upon diagnosis. 
  • Coverage for 10 or 20 years, or up to year 75 of age, with guaranteed renewal.

To protect your child for life

Provides critical illness and life insurance coverage for your child during his or her lifetime. It also provides financial assistance should you need to temporarily leave your job to stay with your child in the event of a life-threatening illness.

Check out our life insurance section for details.

Child Life & Health Duo insurance offers:

  • Coverage of 32 illnesses and conditions, including 7 juvenile critical illnesses.
  • Premiums that will never increase. 
  • Valid temporary critical illness insurance coverage up to 30 years of age, which can be transferred into permanent coverage between 18 and 30 years of age. 
  • Fully-paid, permanent insurance coverage when the child reaches 30 years of age.

For your child aged 2 to 5 years old

Free coverage for your child for 12 months.

Enrol in the Kiddy Plan and receive a complimentary mini first aid kit!

The Kiddy Plan offers:

  • Free coverage for 12 months.
  • A single insurance plan for your children aged 2 to 5 years old.
  • A lump-sum benefit payment paid upon diagnosis of a critical illness.

Contact Customer Service


Compare our critical illness insurance products

Number of illnesses covered No medical exam Fixed premium Return of premiums upon death Flexible return of premiums
Transition – Simplified Issue 4 optional optional
Transition 30 optional optional
Transition Evolution 30
CancerGuard Majority of cancers optional optional
Child Life & Health Duo 32