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What is critical illness insurance?

Life is full of surprises and not all of them are good. If you were diagnosed with a critical illness, could your family carry on or would life come to a halt? Cover Direct critical illness insurance is a way to help safeguard your family finances should you become seriously ill.

With it, if you were to suffer from one of the defined serious illnesses, you’ll receive a cash amount that could help keep family life on track while you recover. If you need to make a claim, our critical illness insurance could help provide you and your family with financial support when it’s needed most.

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Critical illness insurance FAQs

Critical illness insurance with Cover Direct allows you to include an additional coverage amount of $50,000 in your Cover Direct Family Life Insurance policy. With this optional extra, you will be insured for heart attack, cancer, stroke and coronary artery bypass, as defined in the policy terms and conditions.

How could critical illness insurance help protect my family?

If disaster were to strike, having the right protection in place could make all the difference when it comes to getting life back on track. With critical illness insurance, you can have peace of mind that you have some financial support in place for unexpected costs. So, you can focus on what’s important, recovering and spending time with your family.

Critical illness insurance could be used to help cover the loss of your income if you’re the sole breadwinner in your household. It could also help cover any regular bills you may have or more costly expenses such as medical care.  

Want to know more? Our team of Canadian based experts are on hand to answer any questions you might have about our Cover Direct critical illness insurance.  

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What’s covered?

Critical illness insurance can give you peace of mind that if you were to fall ill unexpectedly, family life could stay on track. The following illnesses are covered:

  • Heart attack 
  • Cancer 
  • Stroke 
  • Coronary Artery Bypass grafts

For a definition of each illness please see our policy terms and conditions1



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To be covered, your critical illness must meet one of the definitions contained in our T&Cs, must not be the result of an intentionally self-inflicted injury, and must occur after three months from the start date of your coverage.