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Critical Illness Insurance

Meeting Your Needs

No one is ever really prepared for a life-altering critical illness diagnosis. The whirlwind of appointments, tests, treatments and medications can add to your stress levels.

The treatment to recovery is vital, but it can also be expensive. Your group benefits plan and Provincial Health Insurance may only cover some of the costs associated with treatment. You may still be responsible for out-of-pocket expenses. If treatment keeps you out of work, the financial worries can grow quickly and stress levels may rise.

Critical Illness coverage helps provide financial support if you are diagnosed with a covered critical illness. With the expense of treatment often high, seeking the treatment you need could seem like a financial burden. When a diagnosis occurs, you need to be focused on getting better and taking control of your health, not stressing over financial worries.

Here’s How It Works

Invitation-only

If you are actively at work and a resident of Canada, you are eligible for perigon’s Critical Illness insurance product. You will receive an invitation from your employer to apply online. Coverage starts at $15,000 and is up to $100,000.

Guaranteed Approval in Minutes

If you apply within your employer’s eligibility window, you are pre-approved for up to $30,000 with no medical questions.

Family-ready Policies

Protect those that matter most – dependent children are automatically covered at 50% of your coverage and you have the option of adding coverage for your spouse. You are eligible to add these riders within your eligibility window and during a life event.

Stay Protected For Life

Our Critical Illness plan is guaranteed renewable for life. Rates are guaranteed for each year and increase in 5-year age bands. You can delegate premium payment to your payroll deduction or pay by direct debit, depending on your employer’s set-up.

With Allstate Benefits, you can make treatment decisions without putting your finances at risk.
Practical benefits for everyday living.®

  • Guaranteed Issue coverage, subject to exclusions and limitations1
  • Coverage available for dependents
  • Covered dependents, if included, receive 50% of your Basic-Benefit Amount
  • Benefits paid regardless of any other medical or disability plan coverage
  • Premiums are affordable and conveniently payroll deducted
  • Coverage may be continued; refer to your certificate for details
  • 25% of your Basic-Benefit Amount is paid for Carcinoma In Situ

Cancer, Heart Disease and Stroke are responsible for over 50% of the deaths in Canada2

On average, 617 Canadians will be diagnosed with cancer every day3

1. Please refer to the Exclusions and Limitations section of the brochure.
2. https://www.worldatlas.com/ articles/leading-causes-of-deaths-in-canada.html
3. https://www.cancer.ca/en/cancer-information/ cancer-101/cancer-statistics-at-a-glance/?region=on
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