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Get advice on how to implement tailored strategies. Strategies such as consolidating your insurance policies under one contract to save money and avoid paying multiple times for the same coverage.
You will be able to compare different insurers on the market to find the most affordable plan that provides the coverage you need.
Personalize your insurance coverage to meet your specific needs and budget. For example, you will receive help in selecting the coverage amount, duration, and the most relevant endorsements for your situation.
We offer you a personalized and simplified approach.
With a simple questionnaire, you can claim your free quote in less than 2 minutes.
StartAfter reviewing and confirming your needs, an advisor will present your quote over the phone or via videoconference.
If the quote works for you and you want to proceed, the advisor will guide you through an efficient subscription process.
Founded in Quebec, our platform Norga.io is reinventing your access to financial products with an innovative digital approach. We analyze your goals to connect you with a financial security advisor who will perfectly meet your needs.
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You could cover yourself against the four main illnesses (heart attack, cancer, stroke, coronary bypass) or for the 25 critical illnesses.
Here is a list of 25 commonly covered critical illnesses (be sure to check with your insurer, as this list is for illustrative purposes):
5 juvenile diseases:
Most group insurance plans only cover a portion of your income.
Critical illness insurance could cover additional expenses beyond regular costs, such as home care, medications not covered by the RAMQ, private care, travel expenses, income loss (yours or your spouse's who will care for you), accommodation, and more.
The amount paid depends on the contract and the coverage amount you choose. It can range from $10,000 to $3,000,000, depending on the insurance policy.
For most insurance companies, you must be under 65 years old to apply for critical illness insurance.
Certain medical questions may be required depending on your age and the coverage amount.
To check your eligibility, proceed to the next step by clicking here.
Critical illness insurance is one of the few types of insurance that pays out while you are still alive.
Typically, after a survival period of 30 days following a diagnosis of a covered critical illness in your insurance policy, the benefits will be paid to you. So, yes, you could benefit from your own insurance payout.
This type of insurance usually does not offer a death benefit; however, you could add a rider that allows for a refund of the premiums paid in the event of death.
The insurance payout is a tax-free amount that you can use at your discretion. No receipts or justifications are required; the amount allows you to cover expenses of your choice.
For example, you could use it for home care, private treatments, allowing your spouse to take time off work during your care, travel expenses, and any other unusual additional costs related to your illness diagnosis.
By choosing a simplified product, you will not have to undergo a medical examination, whereas with a standard product, you will generally need to have one. You will have the option to choose between the two types of products if you consult an advisor after requesting a quote here.
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