A financial cushion when a diagnosis changes everything.
Critical illness insurance pays a tax‑free lump sum after a covered diagnosis, helping you protect your income, savings, and plans while you focus on recovery.
Sukhjivan Singh Sidhu helps clients across Ontario choose straightforward coverage that fits real‑world budgets and responsibilities.
What Is Critical Illness Insurance?
It’s a policy that pays you a lump sum after a covered diagnosis. You choose how to use it—treatment, recovery, income replacement, or family support.
It provides flexibility when decisions are time‑sensitive.
Commonly Covered Conditions
Coverage varies by insurer and plan design. Most policies cover 20–30+ major conditions, and some include early‑stage or partial benefits.
Below are examples of conditions often included:
Many plans also include partial or early benefits for less severe conditions.
Why It Matters
Public healthcare is essential, but many costs still fall on you. A lump‑sum benefit gives you flexibility to focus on recovery without financial strain.
Common out‑of‑pocket costs include:
Critical illness coverage helps bridge these gaps so recovery doesn’t create financial stress.
Who Should Consider It?
Critical illness coverage is a strong fit for people who want added financial protection beyond life or disability insurance.
It’s especially valuable for:
Applying earlier usually means better rates and easier approval.
Why Choose Sukhjivan Singh Sidhu
You’ll get clear guidance and support throughout the process:
Expect professional advice, transparent recommendations, and long‑term support.
Plan for the Unexpected
Get a critical illness plan that protects your income and gives you options if life takes an unexpected turn.