🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 8 (from laksa108)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa008.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance\')), getAhrefsUnparsedNoserviceFromURL(\'https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance","crawl_time":1775816143,"first_indexed_time":1641585738,"http_code":200,"src_unparsed":"ca,ia!\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance s443","src_root_hash":"13803026785527020608","history_drop_reason":null,"meta_title":"Critical Illness Insurance | iA Financial Group","meta_descriptions":["This insurance provides financial assistance so you can maintain your standard of living and focus on recovery in the event of a diagnosis of critical illness."],"attrs_boilerpipe_text":"Health and Disability insurance\nThis insurance provides financial assistance so you can maintain your standard of living and focus on recovery in the event of a diagnosis of critical illness. Insurance created with you in mind.\nWhat is critical illness insurance?\nBeing diagnosed with an illness is something that can have a negative impact on your personal and family finances. Critical illness insurance provides you with financial assistance so you can maintain your standard of living and focus on what matters—recovery.\nOur products cover the critical illnesses that affect Canadians the most. If you are diagnosed with a critical illness that is covered by your policy, you will receive a tax-free lump sum payment to help you cover the costs of the illness. You can use the money as you see fit, without having to justify how you spend it!\nCritical illness insurance benefits:\nThe benefits you receive are not taxable\nYou do not need to justify how you spend the money—you can use it as you see fit\nIt helps you cover additional expenses caused by the illness (medications, adapted equipment, experimental treatments not covered by public health insurance, rehabilitation costs and other private medical expenses)\nIt helps you cover your financial commitments if you experience a decrease or loss of income\nYou can use the money for home care for you and your family, such as meal preparation and homework help\nYou can use the money to provide some financial flexibility as you recover so that you can work part time or extend your sick leave to take some time for yourself\nCoverage adapted to your needs\nTransition\nThis insurance offers a number of coverage options depending on your needs. It covers diseases such as cancer and stroke, but also other conditions such as paralysis, various childhood conditions, and loss of autonomy. Make sure you are fully covered with Transition.\nFind out about Transition\nCancer Guard\nCancer Guard is a simplified issue product designed to protect your finances if you are diagnosed with cancer. No medical exams or blood tests are required for this insurance. You just need to answer a few questions to confirm your eligibility.\nFind out about Cancer Guard\nKiddy Plan (free)\nKiddy Plan is a free 12-month coverage plan for children ages 2 to 5. It provides you with a tax-free lump sum to help you care for your child if they are diagnosed with a critical illness. Included with the coverage, you will receive a free gift for your child.\nFind out about Kiddy Plan\nTestimonial\nPastille_FaitVecu_Screen_EN\n\"At the age of 35, Scott Dempsey purchased the Transition product on the advice of his advisor. Nine years later, he developed a disease that led to him losing his sight. Having lost his job, he resigned himself to putting his house up for sale. Shortly thereafter, the advisor Greg Baldwin arrived at Scott’s home with reassuring news: a cheque for $100,000! Scott embraced him, while his spouse removed the “For sale” sign that was in front of their home.\"\nScott Dempsey\nCompare our critical illness insurance products\nTransition – 25 Illnesses\nTransition – 4 Illnesses\nCancer Guard\nKiddy Plan (free)\nAge of eligibility\n0–65\n0–65\n0–65\n2–5\nInsurance amount\n$10,000 to $3,000,000\n$10,000 to $3,000,000\n$5,000 to $150,000\nUp to $2,000\nNo medical exam\nAbility to sign up online\nNon-taxable compensation\nIllnesses covered\n25 illnesses + 5 childhood illnesses\n4 illnesses + 5 childhood illnesses\nMost cancers\n-\nCoverage term\n10\/20\/25 years, to age 75, or for life\n10\/20\/25 years, to age 75, or for life\n10\/20 years or to age 75\n12 months\nFree service: medical second opinion (Novus Health)\nYour policy may contain additional details and exclusions. The provisions in your policy prevail over any coverage mentioned on this page.\nFrequently Asked Questions\nWhat illnesses are covered by critical illness insurance?\nIt all depends on the insurance product and options you choose. To find out more about the illnesses covered, you can view the details for each product on the product page.\nNote that in order for a benefit to be paid, the specialist’s diagnosis of the insured’s medical condition must meet the exact criteria set out in the contract.\nWhy would I need critical illness insurance if I am already covered by provincial health insurance?\nProvincial health insurance\ncovers only certain expenses for care that is required based on your medical condition. It does not reimburse certain additional expenses, such as home care and certain medications.\nCritical illness insurance\nis an excellent complement to the provincial plan because the amount paid can allow you to:\nReplace your income, or even your spouse’s income so that he or she can take time off work to accompany you during your treatments\nPay for assistance at home\nPay for medications not covered by provincial health insurance\nPay the costs of treatment abroad\nContinue repaying financial obligations such as your mortgage\nI already have disability insurance. Why would I need critical illness insurance?\nThese two products meet different needs.\nDisability insurance\nprovides a non-taxable monthly benefit during your disability to replace a portion of your income if you are unable to work due to injury or illness.\nCritical illness insurance\nprovides payment of a non-taxable lump sum that can be used to cover your financial commitments, treatment costs, medications, travel to medical appointments and other expenses incurred as a result of the illness.\nHow many times can I use my critical illness insurance to make claims?\nCritical illness insurance offered by iA provides two types of coverage, depending on the critical illness that the insured is diagnosed with.\nCoverage for\ncertain early-detected, non-life-threatening illnesses\nprovides for a partial benefit payment up to four times for the duration of the policy. Payment of this partial benefit does not terminate the policy.\nCoverage for\ncertain other, more serious life-threatening illnesses\n, such as cancer or heart attack, provides for a one-time lump sum payment during the policy term. This payment terminates the policy.\nTo learn more about critical illness coverage,\ncontact an advisor\n.\nWhen can I make a claim?\nYou can make your claim as soon as you are diagnosed with a condition covered by your insurance.\nFind out more about insurance","attrs_markdown":"SkipToContent\n\nToggle navigation\n\n- [Individuals](https:\/\/ia.ca\/individuals)\n- [Companies and Groups](https:\/\/ia.ca\/business)\n- [Advisors and Brokers](https:\/\/ia.ca\/advisors-brokers)\n\n- [FR](https:\/\/ia.ca\/particuliers\/assurance\/assurance-sante-invalidite\/assurance-maladie-grave)\n- [Log in]()\n\nclose\n\nLog in\n\nMy Client Space\n\n- [![](https:\/\/files.ia.ca\/-\/media\/files\/ia\/dsia\/navigation\/icone-client-ia-dsia.svg) Insurance, savings and loans](https:\/\/clients.ia.ca\/)\n- [![](https:\/\/files.ia.ca\/-\/media\/files\/ia\/dsia\/navigation\/icone-client-iaah-dsia.svg) Auto and home insurance info](https:\/\/iaah.clients.ia.ca\/)\n\nBusiness space\n\n- [Advisor centrearrow\\_forward](https:\/\/iaa.secureweb.inalco.com\/)\n- [Dealer centre (UniFI)arrow\\_forward](https:\/\/iapunifia.secureweb.inalco.com\/)\n- [Partner centre (Rave)arrow\\_forward](https:\/\/ia.ca\/page-rave-en)\n\n- [Insurance](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance)\n  - 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[RRIF, LIF and annuities](https:\/\/ia.ca\/rrif-lif-annuities)\n      For my retirement income\n    - [RESP](https:\/\/ia.ca\/resp)\n      For my children’s education\n    - [Investment funds](https:\/\/ia.ca\/investment-funds)\n      Segregated funds, mutual funds…\n    - [Fund performance and overview](https:\/\/ia.ca\/funds-performance)\n      Segregated fund performance\n    Loans\n    \n    - [RRSP loans](https:\/\/ia.ca\/rrsp-loan)\n    - [RESP loans](https:\/\/ia.ca\/resp-loan)\n    - [Investment loan](https:\/\/ia.ca\/investment-loan)\n  - Tools and forms\n    \n    - [Find a form](https:\/\/ia.ca\/individuals\/find-a-form#individual-insurance)\n    - [iA Financial Compass](https:\/\/ia.ca\/financial-compass)\n    - [Retirement calculator](https:\/\/ia.ca\/retirement-calculator)\n    - [Education savings calculator](https:\/\/ia.ca\/resp-calculator)\n    - [RRSP loan calculator](https:\/\/ia.ca\/rrsp-loan-calculator)\n    - [FHSA calculator](https:\/\/ia.ca\/fhsa-calculator)\n    - [RRSP calculator](https:\/\/ia.ca\/rrsp-calculator)\n    - [TFSA calculator](https:\/\/ia.ca\/tfsa-calculator)\n    - [Guaranteed Interest Fund (GIF) and High Interest Savings Account (HISA) Rates](https:\/\/ia.ca\/fixed-income-investment-rate)\n    - [See all tools](https:\/\/ia.ca\/individuals\/practical-tools)\n  - Advice\n    \n    - [Advice zone](https:\/\/ia.ca\/advice-zone)\n    - [Economic news](https:\/\/ia.ca\/economic-publications)\n    - [Economic and financial publications](https:\/\/ia.ca\/individuals\/individualsavings\/publications-savings)\n    - [The value of an advisor](https:\/\/ia.ca\/individuals\/value-advisor)\n    I am already a client\n    \n    - [Customer service](https:\/\/ia.ca\/contact-us\/savings-and-retirement)\n    - [My group retirement plan](https:\/\/ia.ca\/my-group-retirement-savings-plan)\n    - [Change my address](https:\/\/ia.ca\/address-change)\n    - [Change my beneficiary](https:\/\/ia.ca\/individuals\/changing-your-beneficiary)\n    - [Online tools](https:\/\/ia.ca\/online-tools)\n- [Wealth Management](https:\/\/ia.ca\/individuals\/wealth-management)\n\n- [Log in]()\n\n- [About us](https:\/\/ia.ca\/about-us)\n- [Careers](https:\/\/ia.ca\/jobs)\n- [![](https:\/\/files.ia.ca\/-\/media\/files\/ia\/dsia\/icons\/navigation\/call_16dp_ffffff_fill0_wght400_grad0_opsz20.svg) Contact us](https:\/\/ia.ca\/contact-us)\n- [![](https:\/\/files.ia.ca\/-\/media\/files\/ia\/dsia\/icons\/navigation\/person_16dp_ffffff_fill0_wght400_grad0_opsz20.svg) Contact an advisor](https:\/\/ia.ca\/find-an-advisor)\n\n[FR](https:\/\/ia.ca\/particuliers\/assurance\/assurance-sante-invalidite\/assurance-maladie-grave)\n\nOops\\!\n\n## JavaScript is Disabled.\nTo benefit from all the functionalities of our website, you must activate JavaScript in your browser's settings.\n\n## Get personalized advice\n[Talk to an advisor](https:\/\/ia.ca\/find-an-advisor?version=a)\n\n[Talk to an advisor](https:\/\/ia.ca\/find-an-advisor-new)\n\n![](https:\/\/files.ia.ca\/-\/media\/files\/ia\/dsia\/hero\/secondaire\/hero_secondaire_maladiegrave.jpg)\n\n[Health and Disability insurance](https:\/\/ia.ca\/health-disability-insurance)\n\n# Critical illness insurance\nThis insurance provides financial assistance so you can maintain your standard of living and focus on recovery in the event of a diagnosis of critical illness. Insurance created with you in mind.\n\n[Calculate your needs](https:\/\/ia.ca\/critical-illness-insurance-calculator)\n\n[Find an advisor](https:\/\/ia.ca\/find-an-advisor?version=a)\n\n[Find an advisor](https:\/\/ia.ca\/find-an-advisor-new)\n\n[Customer service](https:\/\/ia.ca\/contact-us\/coverage-obtained-from-ia-critical-illness)\n\n## What is critical illness insurance?\nBeing diagnosed with an illness is something that can have a negative impact on your personal and family finances. Critical illness insurance provides you with financial assistance so you can maintain your standard of living and focus on what matters—recovery.\n\nOur products cover the critical illnesses that affect Canadians the most. If you are diagnosed with a critical illness that is covered by your policy, you will receive a tax-free lump sum payment to help you cover the costs of the illness. You can use the money as you see fit, without having to justify how you spend it\\!\n\n## Critical illness insurance benefits:\n- The benefits you receive are not taxable\n- You do not need to justify how you spend the money—you can use it as you see fit\n- It helps you cover additional expenses caused by the illness (medications, adapted equipment, experimental treatments not covered by public health insurance, rehabilitation costs and other private medical expenses)\n- It helps you cover your financial commitments if you experience a decrease or loss of income\n- You can use the money for home care for you and your family, such as meal preparation and homework help\n- You can use the money to provide some financial flexibility as you recover so that you can work part time or extend your sick leave to take some time for yourself\n\n## Coverage adapted to your needs\n### Transition\nThis insurance offers a number of coverage options depending on your needs. It covers diseases such as cancer and stroke, but also other conditions such as paralysis, various childhood conditions, and loss of autonomy. Make sure you are fully covered with Transition.\n\n[Find out about Transition](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance\/transition-en)\n\n### Cancer Guard\nCancer Guard is a simplified issue product designed to protect your finances if you are diagnosed with cancer. No medical exams or blood tests are required for this insurance. You just need to answer a few questions to confirm your eligibility.\n\n[Find out about Cancer Guard](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance\/cancer-guard)\n\n### Kiddy Plan (free)\nKiddy Plan is a free 12-month coverage plan for children ages 2 to 5. It provides you with a tax-free lump sum to help you care for your child if they are diagnosed with a critical illness. Included with the coverage, you will receive a free gift for your child.\n\n[Find out about Kiddy Plan](https:\/\/ia.ca\/individuals\/insurance\/kiddy)\n\n## Testimonial\n\"At the age of 35, Scott Dempsey purchased the Transition product on the advice of his advisor. Nine years later, he developed a disease that led to him losing his sight. Having lost his job, he resigned himself to putting his house up for sale. Shortly thereafter, the advisor Greg Baldwin arrived at Scott’s home with reassuring news: a cheque for \\$100,000! Scott embraced him, while his spouse removed the “For sale” sign that was in front of their home.\"\n\nScott Dempsey\n\n## Compare our critical illness insurance products\n|   | [Transition – 25 Illnesses](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance\/transition-en) | [Transition – 4 Illnesses](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance\/transition-en) | [Cancer Guard](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance\/cancer-guard) | [Kiddy Plan (free)](https:\/\/ia.ca\/individuals\/insurance\/kiddy) |\n|---|---|---|---|---|\n| Age of eligibility | 0–65 | 0–65 | 0–65 | 2–5 |\n| Insurance amount | \\$10,000 to \\$3,000,000 | \\$10,000 to \\$3,000,000 | \\$5,000 to \\$150,000 | Up to \\$2,000 |\n| No medical exam |   |   |   |   |\n| Ability to sign up online |   |   |   |   |\n| Non-taxable compensation |   |   |   |   |\n| Illnesses covered | 25 illnesses + 5 childhood illnesses | 4 illnesses + 5 childhood illnesses | Most cancers | \\- |\n| Coverage term | 10\/20\/25 years, to age 75, or for life | 10\/20\/25 years, to age 75, or for life | 10\/20 years or to age 75 | 12 months |\n| Free service: medical second opinion (Novus Health) |   |   |   |   |\n\nYour policy may contain additional details and exclusions. The provisions in your policy prevail over any coverage mentioned on this page.\n\n## Frequently Asked Questions\n[What is the difference between critical illness insurance and life insurance?](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance)\n\n**[Life insurance](https:\/\/ia.ca\/life-insurance)** provides payment of a non-taxable sum to beneficiaries following the death of the insured.\n\n**Critical illness insurance** provides payment of a non-taxable sum as financial support following the diagnosis of a covered critical illness to assist you during your recovery.\n\n[What illnesses are covered by critical illness insurance?](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance)\n\nIt all depends on the insurance product and options you choose. To find out more about the illnesses covered, you can view the details for each product on the product page.\n\nNote that in order for a benefit to be paid, the specialist’s diagnosis of the insured’s medical condition must meet the exact criteria set out in the contract.\n\n[Why would I need critical illness insurance if I am already covered by provincial health insurance?](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance)\n\n**Provincial health insurance** covers only certain expenses for care that is required based on your medical condition. It does not reimburse certain additional expenses, such as home care and certain medications.\n\n**Critical illness insurance** is an excellent complement to the provincial plan because the amount paid can allow you to:\n\n- Replace your income, or even your spouse’s income so that he or she can take time off work to accompany you during your treatments\n- Pay for assistance at home\n- Pay for medications not covered by provincial health insurance\n- Pay the costs of treatment abroad\n- Continue repaying financial obligations such as your mortgage\n\n[I already have disability insurance. Why would I need critical illness insurance?](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance)\n\nThese two products meet different needs.\n\n**[Disability insurance](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/disability-income-insurance)** provides a non-taxable monthly benefit during your disability to replace a portion of your income if you are unable to work due to injury or illness.\n\n**Critical illness insurance** provides payment of a non-taxable lump sum that can be used to cover your financial commitments, treatment costs, medications, travel to medical appointments and other expenses incurred as a result of the illness.\n\n[How many times can I use my critical illness insurance to make claims?](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance)\n\nCritical illness insurance offered by iA provides two types of coverage, depending on the critical illness that the insured is diagnosed with.\n\nCoverage for **certain early-detected, non-life-threatening illnesses** provides for a partial benefit payment up to four times for the duration of the policy. Payment of this partial benefit does not terminate the policy.\n\nCoverage for **certain other, more serious life-threatening illnesses**, such as cancer or heart attack, provides for a one-time lump sum payment during the policy term. This payment terminates the policy.\n\nTo learn more about critical illness coverage, [contact an advisor](https:\/\/ia.ca\/find-an-advisor).\n\n[How do I make a claim?](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance)\n\nClaims can be made directly online by completing the [Critical Illness Claim Form](https:\/\/iac.secureweb.inalco.com\/VIMWPNP2\/CriticalIllness\/InitializeClaim?__hstc=244443866.a9cc3598b81a3e81a86713191206d168.1586209217487.1650469802500.1650547935569.880&__hssc=244443866.3.1650547935569&__hsfp=1566920830).\n\n[When can I make a claim?](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance)\n\nYou can make your claim as soon as you are diagnosed with a condition covered by your insurance.\n\n[Are the benefits I receive from my critical illness insurance taxable?](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance)\n\nNo. The lump sum paid to you is non-taxable.\n\n[How much critical illness coverage do I need?](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance)\n\nIt all depends on your situation.\n\nThe [Transition Index](https:\/\/ia.ca\/transition-index) helps you assess your needs and the financial impact of a critical illness diagnosis.\n\nYou can also use our [Critical Illness Insurance Calculator](https:\/\/ia.ca\/critical-illness-insurance-calculator#informations) to quickly determine how much you would need if you were diagnosed with a critical illness and had to take an extended absence from work.\n\nYou can then speak with a [financial security advisor](https:\/\/ia.ca\/find-an-advisor) for a complete evaluation.\n\n[Can I get critical illness insurance if I have already had cancer?](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance)\n\nYes, it’s possible. Generally speaking, however, the person wishing to be insured must have been in recovery for a certain period of time before being able to obtain new insurance. The time between recovery and the purchase of a new product may vary.\n\n[Contact one of our advisors](https:\/\/ia.ca\/find-an-advisor) to evaluate your situation.\n\n## Invested in your future\\!\nBecause half our new clients are newcomers to Canada, we understand your unique needs and challenges when starting a new life here. Discover our insurance and savings brochures, available in Chinese and Punjabi.\n\n[I'm interested\\!](https:\/\/ia.ca\/newcomers)\n\n## Find out more about insurance\n### OUR TOOLS\n- [iA Financial Compass](https:\/\/ia.ca\/financial-compass)\n- [Life insurance calculator](https:\/\/ia.ca\/life-insurance-calculator)\n- [Critical illness insurance calculator](https:\/\/ia.ca\/critical-illness-insurance-calculator)\n- [See all tools](https:\/\/ia.ca\/individuals\/practical-tools)\n\n### OUR PRODUCTS\n- [Disability income insurance](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/disability-income-insurance)\n- [Accident insurance](https:\/\/ia.ca\/individuals\/insurance\/accident-insurance)\n- [Life insurance](https:\/\/ia.ca\/life-insurance)\n- [Mortgage insurance](https:\/\/ia.ca\/mortgage-insurance)\n\n### OUR ADVICE\n- [Critical illness insurance: Invaluable financial assistance for your life goals](https:\/\/ia.ca\/advice-zone\/well-being\/critical-illness-insurance-invaluable-financial-assistance-for-your-life-goals)\n- [Protect your lifestyle with health and disability insurance](https:\/\/ia.ca\/advice-zone\/well-being\/health-disability-insurance)\n- [The importance of life insurance for children](https:\/\/ia.ca\/advice-zone\/finances\/critical-illness-insurance-for-children)\n\n- [About iA](https:\/\/ia.ca\/about-us)\n- [Careers](https:\/\/ia.ca\/jobs)\n- [Contact us](https:\/\/ia.ca\/contact-us)\n\n- [Talk to an advisor](https:\/\/ia.ca\/find-an-advisor)\n- [Make a claim](https:\/\/ia.ca\/make-a-claim)\n- [Connect to My Client Space](https:\/\/iac.secureweb.inalco.com\/)\n- [Advice Zone](https:\/\/ia.ca\/advice-zone)\n- [Sustainability](https:\/\/ia.ca\/sustainability)\n\n- Easily manage your insurance and financial products online\n  [Discover the benefitsarrow\\_forward](https:\/\/ia.ca\/iamobile-en)\n- Download the iA Mobile app\n- [![App Store](https:\/\/files.ia.ca\/-\/media\/files\/ia\/pages-promotionnelles\/ia-mobile-promo\/images\/btn-app-store-en.png)](https:\/\/apps.apple.com\/app\/apple-store\/id605490420?pt=1948947&ct=gcx-adopt-en-ia-footer&mt=8)\n- [![Google Play](https:\/\/files.ia.ca\/-\/media\/files\/ia\/pages-promotionnelles\/ia-mobile-promo\/images\/btn-ggolge-play-en.png)](https:\/\/play.google.com\/store\/apps\/details?id=com.inalco.mobile&hl=en_US&referrer=utm_source%3Dia.ca%26utm_medium%3Dreferral%26utm_term%3Dgcx-adopt-en-ia-footer%26utm_content%3Dfooter%26utm_campaign%3Dgcx-adopt-en-ia-footer)\n\n- [Site map](https:\/\/ia.ca\/site-map)\n- [Unsubscribe](https:\/\/ia-cem.secureweb.inalco.com\/Unsubscribe\/IASF\/en)\n- [Accessibility](https:\/\/ia.ca\/accessibility)\n- [Privacy](https:\/\/ia.ca\/privacy-policy)\n- [Terms of use](https:\/\/ia.ca\/terms-use)\n- [Unclaimed property](https:\/\/ia.ca\/unclaimed-property)\n- [Complaint](https:\/\/ia.ca\/complaints)\n- [Cookies preference]()\n\nGet ahead © 2026 Industrial Alliance Insurance and Financial Services Inc. – iA Financial Group. All rights reserved.\n\nclose","attrs_readable_markdown":"![](https:\/\/files.ia.ca\/-\/media\/files\/ia\/dsia\/hero\/secondaire\/hero_secondaire_maladiegrave.jpg)\n\n[Health and Disability insurance](https:\/\/ia.ca\/health-disability-insurance)\n\nThis insurance provides financial assistance so you can maintain your standard of living and focus on recovery in the event of a diagnosis of critical illness. Insurance created with you in mind.\n\n## What is critical illness insurance?\nBeing diagnosed with an illness is something that can have a negative impact on your personal and family finances. Critical illness insurance provides you with financial assistance so you can maintain your standard of living and focus on what matters—recovery.\n\nOur products cover the critical illnesses that affect Canadians the most. If you are diagnosed with a critical illness that is covered by your policy, you will receive a tax-free lump sum payment to help you cover the costs of the illness. You can use the money as you see fit, without having to justify how you spend it\\!\n\n## Critical illness insurance benefits:\n- The benefits you receive are not taxable\n- You do not need to justify how you spend the money—you can use it as you see fit\n- It helps you cover additional expenses caused by the illness (medications, adapted equipment, experimental treatments not covered by public health insurance, rehabilitation costs and other private medical expenses)\n- It helps you cover your financial commitments if you experience a decrease or loss of income\n- You can use the money for home care for you and your family, such as meal preparation and homework help\n- You can use the money to provide some financial flexibility as you recover so that you can work part time or extend your sick leave to take some time for yourself\n\nCoverage adapted to your needs\n\n### Transition\nThis insurance offers a number of coverage options depending on your needs. It covers diseases such as cancer and stroke, but also other conditions such as paralysis, various childhood conditions, and loss of autonomy. Make sure you are fully covered with Transition.\n\n[Find out about Transition](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance\/transition-en)\n\n### Cancer Guard\nCancer Guard is a simplified issue product designed to protect your finances if you are diagnosed with cancer. No medical exams or blood tests are required for this insurance. You just need to answer a few questions to confirm your eligibility.\n\n[Find out about Cancer Guard](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance\/cancer-guard)\n\n### Kiddy Plan (free)\nKiddy Plan is a free 12-month coverage plan for children ages 2 to 5. It provides you with a tax-free lump sum to help you care for your child if they are diagnosed with a critical illness. Included with the coverage, you will receive a free gift for your child.\n\n[Find out about Kiddy Plan](https:\/\/ia.ca\/individuals\/insurance\/kiddy)\n\nTestimonial\n\n\"At the age of 35, Scott Dempsey purchased the Transition product on the advice of his advisor. Nine years later, he developed a disease that led to him losing his sight. Having lost his job, he resigned himself to putting his house up for sale. Shortly thereafter, the advisor Greg Baldwin arrived at Scott’s home with reassuring news: a cheque for \\$100,000! Scott embraced him, while his spouse removed the “For sale” sign that was in front of their home.\"\n\nScott Dempsey\n\nCompare our critical illness insurance products\n\n|   | [Transition – 25 Illnesses](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance\/transition-en) | [Transition – 4 Illnesses](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance\/transition-en) | [Cancer Guard](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance\/cancer-guard) | [Kiddy Plan (free)](https:\/\/ia.ca\/individuals\/insurance\/kiddy) |\n|---|---|---|---|---|\n| Age of eligibility | 0–65 | 0–65 | 0–65 | 2–5 |\n| Insurance amount | \\$10,000 to \\$3,000,000 | \\$10,000 to \\$3,000,000 | \\$5,000 to \\$150,000 | Up to \\$2,000 |\n| No medical exam |   |   |   |   |\n| Ability to sign up online |   |   |   |   |\n| Non-taxable compensation |   |   |   |   |\n| Illnesses covered | 25 illnesses + 5 childhood illnesses | 4 illnesses + 5 childhood illnesses | Most cancers | \\- |\n| Coverage term | 10\/20\/25 years, to age 75, or for life | 10\/20\/25 years, to age 75, or for life | 10\/20 years or to age 75 | 12 months |\n| Free service: medical second opinion (Novus Health) |   |   |   |   |\n\nYour policy may contain additional details and exclusions. The provisions in your policy prevail over any coverage mentioned on this page.\n\nFrequently Asked Questions\n\n[What illnesses are covered by critical illness insurance?](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance)\n\nIt all depends on the insurance product and options you choose. To find out more about the illnesses covered, you can view the details for each product on the product page.\n\nNote that in order for a benefit to be paid, the specialist’s diagnosis of the insured’s medical condition must meet the exact criteria set out in the contract.\n\n[Why would I need critical illness insurance if I am already covered by provincial health insurance?](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance)\n\n**Provincial health insurance** covers only certain expenses for care that is required based on your medical condition. It does not reimburse certain additional expenses, such as home care and certain medications.\n\n**Critical illness insurance** is an excellent complement to the provincial plan because the amount paid can allow you to:\n\n- Replace your income, or even your spouse’s income so that he or she can take time off work to accompany you during your treatments\n- Pay for assistance at home\n- Pay for medications not covered by provincial health insurance\n- Pay the costs of treatment abroad\n- Continue repaying financial obligations such as your mortgage\n\n[I already have disability insurance. Why would I need critical illness insurance?](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance)\n\nThese two products meet different needs.\n\n**[Disability insurance](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/disability-income-insurance)** provides a non-taxable monthly benefit during your disability to replace a portion of your income if you are unable to work due to injury or illness.\n\n**Critical illness insurance** provides payment of a non-taxable lump sum that can be used to cover your financial commitments, treatment costs, medications, travel to medical appointments and other expenses incurred as a result of the illness.\n\n[How many times can I use my critical illness insurance to make claims?](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance)\n\nCritical illness insurance offered by iA provides two types of coverage, depending on the critical illness that the insured is diagnosed with.\n\nCoverage for **certain early-detected, non-life-threatening illnesses** provides for a partial benefit payment up to four times for the duration of the policy. Payment of this partial benefit does not terminate the policy.\n\nCoverage for **certain other, more serious life-threatening illnesses**, such as cancer or heart attack, provides for a one-time lump sum payment during the policy term. This payment terminates the policy.\n\nTo learn more about critical illness coverage, [contact an advisor](https:\/\/ia.ca\/find-an-advisor).\n\n[When can I make a claim?](https:\/\/ia.ca\/individuals\/insurance\/health-disability-insurance\/critical-illness-insurance)\n\nYou can make your claim as soon as you are diagnosed with a condition covered by your insurance.\n\nFind out more about insurance","meta_canonical":null}

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URL	https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance
Last Crawled	2026-04-10 10:15:43 (10 days ago)
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Meta Title	Critical Illness Insurance \| iA Financial Group
Meta Description	This insurance provides financial assistance so you can maintain your standard of living and focus on recovery in the event of a diagnosis of critical illness.
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Boilerpipe Text	Health and Disability insurance This insurance provides financial assistance so you can maintain your standard of living and focus on recovery in the event of a diagnosis of critical illness. Insurance created with you in mind. What is critical illness insurance? Being diagnosed with an illness is something that can have a negative impact on your personal and family finances. Critical illness insurance provides you with financial assistance so you can maintain your standard of living and focus on what matters—recovery. Our products cover the critical illnesses that affect Canadians the most. If you are diagnosed with a critical illness that is covered by your policy, you will receive a tax-free lump sum payment to help you cover the costs of the illness. You can use the money as you see fit, without having to justify how you spend it! Critical illness insurance benefits: The benefits you receive are not taxable You do not need to justify how you spend the money—you can use it as you see fit It helps you cover additional expenses caused by the illness (medications, adapted equipment, experimental treatments not covered by public health insurance, rehabilitation costs and other private medical expenses) It helps you cover your financial commitments if you experience a decrease or loss of income You can use the money for home care for you and your family, such as meal preparation and homework help You can use the money to provide some financial flexibility as you recover so that you can work part time or extend your sick leave to take some time for yourself Coverage adapted to your needs Transition This insurance offers a number of coverage options depending on your needs. It covers diseases such as cancer and stroke, but also other conditions such as paralysis, various childhood conditions, and loss of autonomy. Make sure you are fully covered with Transition. Find out about Transition Cancer Guard Cancer Guard is a simplified issue product designed to protect your finances if you are diagnosed with cancer. No medical exams or blood tests are required for this insurance. You just need to answer a few questions to confirm your eligibility. Find out about Cancer Guard Kiddy Plan (free) Kiddy Plan is a free 12-month coverage plan for children ages 2 to 5. It provides you with a tax-free lump sum to help you care for your child if they are diagnosed with a critical illness. Included with the coverage, you will receive a free gift for your child. Find out about Kiddy Plan Testimonial Pastille_FaitVecu_Screen_EN "At the age of 35, Scott Dempsey purchased the Transition product on the advice of his advisor. Nine years later, he developed a disease that led to him losing his sight. Having lost his job, he resigned himself to putting his house up for sale. Shortly thereafter, the advisor Greg Baldwin arrived at Scott’s home with reassuring news: a cheque for $100,000! Scott embraced him, while his spouse removed the “For sale” sign that was in front of their home." Scott Dempsey Compare our critical illness insurance products Transition – 25 Illnesses Transition – 4 Illnesses Cancer Guard Kiddy Plan (free) Age of eligibility 0–65 0–65 0–65 2–5 Insurance amount $10,000 to $3,000,000 $10,000 to $3,000,000 $5,000 to $150,000 Up to $2,000 No medical exam Ability to sign up online Non-taxable compensation Illnesses covered 25 illnesses + 5 childhood illnesses 4 illnesses + 5 childhood illnesses Most cancers - Coverage term 10/20/25 years, to age 75, or for life 10/20/25 years, to age 75, or for life 10/20 years or to age 75 12 months Free service: medical second opinion (Novus Health) Your policy may contain additional details and exclusions. The provisions in your policy prevail over any coverage mentioned on this page. Frequently Asked Questions What illnesses are covered by critical illness insurance? It all depends on the insurance product and options you choose. To find out more about the illnesses covered, you can view the details for each product on the product page. Note that in order for a benefit to be paid, the specialist’s diagnosis of the insured’s medical condition must meet the exact criteria set out in the contract. Why would I need critical illness insurance if I am already covered by provincial health insurance? Provincial health insurance covers only certain expenses for care that is required based on your medical condition. It does not reimburse certain additional expenses, such as home care and certain medications. Critical illness insurance is an excellent complement to the provincial plan because the amount paid can allow you to: Replace your income, or even your spouse’s income so that he or she can take time off work to accompany you during your treatments Pay for assistance at home Pay for medications not covered by provincial health insurance Pay the costs of treatment abroad Continue repaying financial obligations such as your mortgage I already have disability insurance. Why would I need critical illness insurance? These two products meet different needs. Disability insurance provides a non-taxable monthly benefit during your disability to replace a portion of your income if you are unable to work due to injury or illness. Critical illness insurance provides payment of a non-taxable lump sum that can be used to cover your financial commitments, treatment costs, medications, travel to medical appointments and other expenses incurred as a result of the illness. How many times can I use my critical illness insurance to make claims? Critical illness insurance offered by iA provides two types of coverage, depending on the critical illness that the insured is diagnosed with. Coverage for certain early-detected, non-life-threatening illnesses provides for a partial benefit payment up to four times for the duration of the policy. Payment of this partial benefit does not terminate the policy. Coverage for certain other, more serious life-threatening illnesses , such as cancer or heart attack, provides for a one-time lump sum payment during the policy term. This payment terminates the policy. To learn more about critical illness coverage, contact an advisor . When can I make a claim? You can make your claim as soon as you are diagnosed with a condition covered by your insurance. Find out more about insurance
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To benefit from all the functionalities of our website, you must activate JavaScript in your browser's settings. ## Get personalized advice [Talk to an advisor](https://ia.ca/find-an-advisor?version=a) [Talk to an advisor](https://ia.ca/find-an-advisor-new) ![](https://files.ia.ca/-/media/files/ia/dsia/hero/secondaire/hero_secondaire_maladiegrave.jpg) [Health and Disability insurance](https://ia.ca/health-disability-insurance) # Critical illness insurance This insurance provides financial assistance so you can maintain your standard of living and focus on recovery in the event of a diagnosis of critical illness. Insurance created with you in mind. [Calculate your needs](https://ia.ca/critical-illness-insurance-calculator) [Find an advisor](https://ia.ca/find-an-advisor?version=a) [Find an advisor](https://ia.ca/find-an-advisor-new) [Customer service](https://ia.ca/contact-us/coverage-obtained-from-ia-critical-illness) ## What is critical illness insurance? Being diagnosed with an illness is something that can have a negative impact on your personal and family finances. Critical illness insurance provides you with financial assistance so you can maintain your standard of living and focus on what matters—recovery. Our products cover the critical illnesses that affect Canadians the most. If you are diagnosed with a critical illness that is covered by your policy, you will receive a tax-free lump sum payment to help you cover the costs of the illness. You can use the money as you see fit, without having to justify how you spend it\! ## Critical illness insurance benefits: - The benefits you receive are not taxable - You do not need to justify how you spend the money—you can use it as you see fit - It helps you cover additional expenses caused by the illness (medications, adapted equipment, experimental treatments not covered by public health insurance, rehabilitation costs and other private medical expenses) - It helps you cover your financial commitments if you experience a decrease or loss of income - You can use the money for home care for you and your family, such as meal preparation and homework help - You can use the money to provide some financial flexibility as you recover so that you can work part time or extend your sick leave to take some time for yourself ## Coverage adapted to your needs ### Transition This insurance offers a number of coverage options depending on your needs. It covers diseases such as cancer and stroke, but also other conditions such as paralysis, various childhood conditions, and loss of autonomy. Make sure you are fully covered with Transition. [Find out about Transition](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance/transition-en) ### Cancer Guard Cancer Guard is a simplified issue product designed to protect your finances if you are diagnosed with cancer. No medical exams or blood tests are required for this insurance. You just need to answer a few questions to confirm your eligibility. [Find out about Cancer Guard](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance/cancer-guard) ### Kiddy Plan (free) Kiddy Plan is a free 12-month coverage plan for children ages 2 to 5. It provides you with a tax-free lump sum to help you care for your child if they are diagnosed with a critical illness. Included with the coverage, you will receive a free gift for your child. [Find out about Kiddy Plan](https://ia.ca/individuals/insurance/kiddy) ## Testimonial "At the age of 35, Scott Dempsey purchased the Transition product on the advice of his advisor. Nine years later, he developed a disease that led to him losing his sight. Having lost his job, he resigned himself to putting his house up for sale. Shortly thereafter, the advisor Greg Baldwin arrived at Scott’s home with reassuring news: a cheque for \$100,000! Scott embraced him, while his spouse removed the “For sale” sign that was in front of their home." Scott Dempsey ## Compare our critical illness insurance products \| \| [Transition – 25 Illnesses](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance/transition-en) \| [Transition – 4 Illnesses](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance/transition-en) \| [Cancer Guard](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance/cancer-guard) \| [Kiddy Plan (free)](https://ia.ca/individuals/insurance/kiddy) \| \|---\|---\|---\|---\|---\| \| Age of eligibility \| 0–65 \| 0–65 \| 0–65 \| 2–5 \| \| Insurance amount \| \$10,000 to \$3,000,000 \| \$10,000 to \$3,000,000 \| \$5,000 to \$150,000 \| Up to \$2,000 \| \| No medical exam \| \| \| \| \| \| Ability to sign up online \| \| \| \| \| \| Non-taxable compensation \| \| \| \| \| \| Illnesses covered \| 25 illnesses + 5 childhood illnesses \| 4 illnesses + 5 childhood illnesses \| Most cancers \| \- \| \| Coverage term \| 10/20/25 years, to age 75, or for life \| 10/20/25 years, to age 75, or for life \| 10/20 years or to age 75 \| 12 months \| \| Free service: medical second opinion (Novus Health) \| \| \| \| \| Your policy may contain additional details and exclusions. The provisions in your policy prevail over any coverage mentioned on this page. ## Frequently Asked Questions [What is the difference between critical illness insurance and life insurance?](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance) [Life insurance](https://ia.ca/life-insurance) provides payment of a non-taxable sum to beneficiaries following the death of the insured. Critical illness insurance provides payment of a non-taxable sum as financial support following the diagnosis of a covered critical illness to assist you during your recovery. [What illnesses are covered by critical illness insurance?](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance) It all depends on the insurance product and options you choose. To find out more about the illnesses covered, you can view the details for each product on the product page. Note that in order for a benefit to be paid, the specialist’s diagnosis of the insured’s medical condition must meet the exact criteria set out in the contract. [Why would I need critical illness insurance if I am already covered by provincial health insurance?](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance) Provincial health insurance covers only certain expenses for care that is required based on your medical condition. It does not reimburse certain additional expenses, such as home care and certain medications. Critical illness insurance is an excellent complement to the provincial plan because the amount paid can allow you to: - Replace your income, or even your spouse’s income so that he or she can take time off work to accompany you during your treatments - Pay for assistance at home - Pay for medications not covered by provincial health insurance - Pay the costs of treatment abroad - Continue repaying financial obligations such as your mortgage [I already have disability insurance. Why would I need critical illness insurance?](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance) These two products meet different needs. [Disability insurance](https://ia.ca/individuals/insurance/health-disability-insurance/disability-income-insurance) provides a non-taxable monthly benefit during your disability to replace a portion of your income if you are unable to work due to injury or illness. Critical illness insurance provides payment of a non-taxable lump sum that can be used to cover your financial commitments, treatment costs, medications, travel to medical appointments and other expenses incurred as a result of the illness. [How many times can I use my critical illness insurance to make claims?](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance) Critical illness insurance offered by iA provides two types of coverage, depending on the critical illness that the insured is diagnosed with. Coverage for certain early-detected, non-life-threatening illnesses provides for a partial benefit payment up to four times for the duration of the policy. Payment of this partial benefit does not terminate the policy. Coverage for certain other, more serious life-threatening illnesses, such as cancer or heart attack, provides for a one-time lump sum payment during the policy term. This payment terminates the policy. To learn more about critical illness coverage, [contact an advisor](https://ia.ca/find-an-advisor). [How do I make a claim?](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance) Claims can be made directly online by completing the [Critical Illness Claim Form](https://iac.secureweb.inalco.com/VIMWPNP2/CriticalIllness/InitializeClaim?__hstc=244443866.a9cc3598b81a3e81a86713191206d168.1586209217487.1650469802500.1650547935569.880&__hssc=244443866.3.1650547935569&__hsfp=1566920830). [When can I make a claim?](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance) You can make your claim as soon as you are diagnosed with a condition covered by your insurance. [Are the benefits I receive from my critical illness insurance taxable?](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance) No. The lump sum paid to you is non-taxable. [How much critical illness coverage do I need?](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance) It all depends on your situation. The [Transition Index](https://ia.ca/transition-index) helps you assess your needs and the financial impact of a critical illness diagnosis. You can also use our [Critical Illness Insurance Calculator](https://ia.ca/critical-illness-insurance-calculator#informations) to quickly determine how much you would need if you were diagnosed with a critical illness and had to take an extended absence from work. You can then speak with a [financial security advisor](https://ia.ca/find-an-advisor) for a complete evaluation. [Can I get critical illness insurance if I have already had cancer?](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance) Yes, it’s possible. Generally speaking, however, the person wishing to be insured must have been in recovery for a certain period of time before being able to obtain new insurance. The time between recovery and the purchase of a new product may vary. [Contact one of our advisors](https://ia.ca/find-an-advisor) to evaluate your situation. ## Invested in your future\! Because half our new clients are newcomers to Canada, we understand your unique needs and challenges when starting a new life here. Discover our insurance and savings brochures, available in Chinese and Punjabi. [I'm interested\!](https://ia.ca/newcomers) ## Find out more about insurance ### OUR TOOLS - [iA Financial Compass](https://ia.ca/financial-compass) - [Life insurance calculator](https://ia.ca/life-insurance-calculator) - [Critical illness insurance calculator](https://ia.ca/critical-illness-insurance-calculator) - [See all tools](https://ia.ca/individuals/practical-tools) ### OUR PRODUCTS - [Disability income insurance](https://ia.ca/individuals/insurance/health-disability-insurance/disability-income-insurance) - [Accident insurance](https://ia.ca/individuals/insurance/accident-insurance) - [Life insurance](https://ia.ca/life-insurance) - [Mortgage insurance](https://ia.ca/mortgage-insurance) ### OUR ADVICE - [Critical illness insurance: Invaluable financial assistance for your life goals](https://ia.ca/advice-zone/well-being/critical-illness-insurance-invaluable-financial-assistance-for-your-life-goals) - [Protect your lifestyle with health and disability insurance](https://ia.ca/advice-zone/well-being/health-disability-insurance) - [The importance of life insurance for children](https://ia.ca/advice-zone/finances/critical-illness-insurance-for-children) - [About iA](https://ia.ca/about-us) - [Careers](https://ia.ca/jobs) - [Contact us](https://ia.ca/contact-us) - [Talk to an advisor](https://ia.ca/find-an-advisor) - [Make a claim](https://ia.ca/make-a-claim) - [Connect to My Client Space](https://iac.secureweb.inalco.com/) - [Advice Zone](https://ia.ca/advice-zone) - [Sustainability](https://ia.ca/sustainability) - Easily manage your insurance and financial products online [Discover the benefitsarrow\_forward](https://ia.ca/iamobile-en) - Download the iA Mobile app - [![App Store](https://files.ia.ca/-/media/files/ia/pages-promotionnelles/ia-mobile-promo/images/btn-app-store-en.png)](https://apps.apple.com/app/apple-store/id605490420?pt=1948947&ct=gcx-adopt-en-ia-footer&mt=8) - [![Google Play](https://files.ia.ca/-/media/files/ia/pages-promotionnelles/ia-mobile-promo/images/btn-ggolge-play-en.png)](https://play.google.com/store/apps/details?id=com.inalco.mobile&hl=en_US&referrer=utm_source%3Dia.ca%26utm_medium%3Dreferral%26utm_term%3Dgcx-adopt-en-ia-footer%26utm_content%3Dfooter%26utm_campaign%3Dgcx-adopt-en-ia-footer) - [Site map](https://ia.ca/site-map) - [Unsubscribe](https://ia-cem.secureweb.inalco.com/Unsubscribe/IASF/en) - [Accessibility](https://ia.ca/accessibility) - [Privacy](https://ia.ca/privacy-policy) - [Terms of use](https://ia.ca/terms-use) - [Unclaimed property](https://ia.ca/unclaimed-property) - [Complaint](https://ia.ca/complaints) - [Cookies preference]() Get ahead © 2026 Industrial Alliance Insurance and Financial Services Inc. – iA Financial Group. 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Readable Markdown	![](https://files.ia.ca/-/media/files/ia/dsia/hero/secondaire/hero_secondaire_maladiegrave.jpg) [Health and Disability insurance](https://ia.ca/health-disability-insurance) This insurance provides financial assistance so you can maintain your standard of living and focus on recovery in the event of a diagnosis of critical illness. Insurance created with you in mind. ## What is critical illness insurance? Being diagnosed with an illness is something that can have a negative impact on your personal and family finances. Critical illness insurance provides you with financial assistance so you can maintain your standard of living and focus on what matters—recovery. Our products cover the critical illnesses that affect Canadians the most. If you are diagnosed with a critical illness that is covered by your policy, you will receive a tax-free lump sum payment to help you cover the costs of the illness. You can use the money as you see fit, without having to justify how you spend it\! ## Critical illness insurance benefits: - The benefits you receive are not taxable - You do not need to justify how you spend the money—you can use it as you see fit - It helps you cover additional expenses caused by the illness (medications, adapted equipment, experimental treatments not covered by public health insurance, rehabilitation costs and other private medical expenses) - It helps you cover your financial commitments if you experience a decrease or loss of income - You can use the money for home care for you and your family, such as meal preparation and homework help - You can use the money to provide some financial flexibility as you recover so that you can work part time or extend your sick leave to take some time for yourself Coverage adapted to your needs ### Transition This insurance offers a number of coverage options depending on your needs. It covers diseases such as cancer and stroke, but also other conditions such as paralysis, various childhood conditions, and loss of autonomy. Make sure you are fully covered with Transition. [Find out about Transition](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance/transition-en) ### Cancer Guard Cancer Guard is a simplified issue product designed to protect your finances if you are diagnosed with cancer. No medical exams or blood tests are required for this insurance. You just need to answer a few questions to confirm your eligibility. [Find out about Cancer Guard](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance/cancer-guard) ### Kiddy Plan (free) Kiddy Plan is a free 12-month coverage plan for children ages 2 to 5. It provides you with a tax-free lump sum to help you care for your child if they are diagnosed with a critical illness. Included with the coverage, you will receive a free gift for your child. [Find out about Kiddy Plan](https://ia.ca/individuals/insurance/kiddy) Testimonial "At the age of 35, Scott Dempsey purchased the Transition product on the advice of his advisor. Nine years later, he developed a disease that led to him losing his sight. Having lost his job, he resigned himself to putting his house up for sale. Shortly thereafter, the advisor Greg Baldwin arrived at Scott’s home with reassuring news: a cheque for \$100,000! Scott embraced him, while his spouse removed the “For sale” sign that was in front of their home." Scott Dempsey Compare our critical illness insurance products \| \| [Transition – 25 Illnesses](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance/transition-en) \| [Transition – 4 Illnesses](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance/transition-en) \| [Cancer Guard](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance/cancer-guard) \| [Kiddy Plan (free)](https://ia.ca/individuals/insurance/kiddy) \| \|---\|---\|---\|---\|---\| \| Age of eligibility \| 0–65 \| 0–65 \| 0–65 \| 2–5 \| \| Insurance amount \| \$10,000 to \$3,000,000 \| \$10,000 to \$3,000,000 \| \$5,000 to \$150,000 \| Up to \$2,000 \| \| No medical exam \| \| \| \| \| \| Ability to sign up online \| \| \| \| \| \| Non-taxable compensation \| \| \| \| \| \| Illnesses covered \| 25 illnesses + 5 childhood illnesses \| 4 illnesses + 5 childhood illnesses \| Most cancers \| \- \| \| Coverage term \| 10/20/25 years, to age 75, or for life \| 10/20/25 years, to age 75, or for life \| 10/20 years or to age 75 \| 12 months \| \| Free service: medical second opinion (Novus Health) \| \| \| \| \| Your policy may contain additional details and exclusions. The provisions in your policy prevail over any coverage mentioned on this page. Frequently Asked Questions [What illnesses are covered by critical illness insurance?](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance) It all depends on the insurance product and options you choose. To find out more about the illnesses covered, you can view the details for each product on the product page. Note that in order for a benefit to be paid, the specialist’s diagnosis of the insured’s medical condition must meet the exact criteria set out in the contract. [Why would I need critical illness insurance if I am already covered by provincial health insurance?](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance) Provincial health insurance covers only certain expenses for care that is required based on your medical condition. It does not reimburse certain additional expenses, such as home care and certain medications. Critical illness insurance is an excellent complement to the provincial plan because the amount paid can allow you to: - Replace your income, or even your spouse’s income so that he or she can take time off work to accompany you during your treatments - Pay for assistance at home - Pay for medications not covered by provincial health insurance - Pay the costs of treatment abroad - Continue repaying financial obligations such as your mortgage [I already have disability insurance. Why would I need critical illness insurance?](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance) These two products meet different needs. [Disability insurance](https://ia.ca/individuals/insurance/health-disability-insurance/disability-income-insurance) provides a non-taxable monthly benefit during your disability to replace a portion of your income if you are unable to work due to injury or illness. Critical illness insurance provides payment of a non-taxable lump sum that can be used to cover your financial commitments, treatment costs, medications, travel to medical appointments and other expenses incurred as a result of the illness. [How many times can I use my critical illness insurance to make claims?](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance) Critical illness insurance offered by iA provides two types of coverage, depending on the critical illness that the insured is diagnosed with. Coverage for certain early-detected, non-life-threatening illnesses provides for a partial benefit payment up to four times for the duration of the policy. Payment of this partial benefit does not terminate the policy. Coverage for certain other, more serious life-threatening illnesses, such as cancer or heart attack, provides for a one-time lump sum payment during the policy term. This payment terminates the policy. To learn more about critical illness coverage, [contact an advisor](https://ia.ca/find-an-advisor). [When can I make a claim?](https://ia.ca/individuals/insurance/health-disability-insurance/critical-illness-insurance) You can make your claim as soon as you are diagnosed with a condition covered by your insurance. Find out more about insurance
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