Disability Insurance

Critical Illness Insurance

Prepare for the unexpected

Bravia Life Insurance Brokers work with over 20 Insurance companies to offer our clients the best level of coverage at the lowest possible rate for your critical illness insurance coverage.

 

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Critical Illness Insurance

One of the most important ways to…

Support Your Recovery

Few of us want to consider critical illness insurance because we don’t want to think about the possibility that at some point in our lives, we could become seriously ill. Recovering is not only a physical and emotional challenge, but also a financial one. How will you cover your medical and treatment costs? How will you continue to fulfill your household financial obligations while you’re unable to work? Will your family be financially protected?

In the event that you get sick, medical and treatment costs can add up very quickly. Our critical illness insurance policies give you the financial freedom to focus your energy on what really matters—making a speedy recovery. If you’re diagnosed with one of the conditions defined in the policy, you’ll qualify to receive a one-time, lump-sum cash benefit to spend however you wish. Our simple and affordable critical illness plans can help with the following:

  • Paying off costly medical expenses including drugs and special treatments
  • Paying for travel expenses incurred for medical treatment
  • Covering regular household bills while you’re off work
  • Ensuring your family has the support necessary to make it through your recovery period without experiencing significant financial hardship

Covered Conditions on most polices:

  • Cancer
  • Heart Attack
  • Stroke
  • Coronary Artery Bypass Surgery
  • Alzheimer’s Disease
  • Aortic Surgery
  • Benign Brain Tumour
  • Blindness
  • Coma
  • Deafness
  • Heart Valve Replacement
  • Kidney Failure
  • Loss of Limbs
  • Loss of Speech
  • Major Organ Transplant
  • Major Organ Failure (on waiting list)
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Occupational HIV Infection
  • Paralysis
  • Parkinson’s Disease
  • Severe Burns

Statistics

Cancer
  • An estimated 177,800 new cases of cancer will occur in Canada in 2011.
  • In 2011, approximately 84,800 Canadian women will be diagnosed with cancer, approximately 93,000 Canadian men will be diagnosed with cancer
  • 40% of Canadian women and 45% of men will develop cancer during their lifetimes.
  • 28% of all cases will occur in those ages 60-69
  • 18% of all cases will occur in those ages 50-59
Based on 2004-2006 estimates
  • 62% of people are expected to survive for 5 years after their cancer diagnosis compared to the general population of the same age and sex.
  • Survival has increased for all cancers combined from 56% to 62% in the last decade
Heart Attack and Stroke
  • There are an estimated 70,000 heart attacks each year in Canada. That’s one heart attack every 7 minutes.
  • The number of heart attack-related hospitalizations has increased steadily over the past decade (1994-95 to 2003-04)
  • Nine in 10 Canadians (90%) have at least one risk factor for heart disease or stroke (smoking, alcohol, physical inactivity, obesity, high blood pressure, high blood cholesterol, diabetes)
  • There are over 50,000 strokes in Canada each year. That’s one stroke every 10 minutes.
  • For every 100,000 Canadian children under the age of 19, there are 6.7 strokes.
  • About 300,000 Canadians are living with the effects of stroke
  • After age 55, the risk of stroke doubles every 10 years
  • A stroke survivor has a 20% chance of having another stroke within 2 years.
Heart Attack and Stroke
  • 15 die (15%)
  • 10 recover completely (10%)
  • 25 recover with a minor impairment or disability (25%)
  • 40 are left with a moderate to severe impairment (40%)
  • 10 are so severely disabled they require long-term care (10%)
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The Right Choice

Determining what type of insurance policy is right for you can be a tough decision to make. Our insurance advisors are here to offer you expert advice and help you every step of the way, from insurance planning to complex policy structuring. We make insurance easy to understand with affordable options that best suit your needs. Speak with us today about how you can start protecting your financial future.