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RBC Health Insurance
Helps protect your paycheque—and your savings—until you can get back to work.
Two ways to protect your paycheque
Life insurance has a clear value—protecting your family if you were to pass away. But what if a serious injury or illness kept you from work? That’s where health insurance such as RBC disability and critical illness insurance comes in. Both help to protect your paycheque—and your savings—until you are able to get back to work again.
Disability Insurance
Income protection if you can’t work
An unexpected injury or illness can happen to the healthiest of us. Disability insurance can help, by covering your monthly bills if you need to take time off work to get better.
Critical Illness Insurance
A financial cushion to help you recover
While the chances of surviving a life-altering illness today are excellent, a long recovery can deplete your savings. Critical illness insurance can help, with a payment you can use to cover bills or medical services.
Get professional advice
Get trusted guidance from a licensed advisor who will help you make the best choice.
Compare coverages at-a-glance
Protect your paycheque with one or both coverages, depending on your needs.
Disability insurance(Income protection if you can’t work) |
Critical Illness insurance(A financial cushion to help you recover) |
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What does it cover me for? |
Depending on the plan you choose, you may be covered for2:
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Depending on the plan you choose, you may be covered for2:
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How do I receive my payments? |
Payments are monthly—and tax-free |
Receive a one-time, tax-free payment |
What can I use the money for? |
You have the freedom to use the money however you want. For example:
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You have the freedom to use the money however you want. For example:
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What else does this coverage offer me? |
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Can I claim benefits more than once? |
Yes |
Depends on your plan |
Will I need a medical exam to apply? |
Typically, yes |
Possibly yes, depending on your age and the plan you choose |
Did you know?
Protect your paycheque until you can get back to work
Get trusted guidance from a licensed advisor who will help you make the best choice.
Want to meet? Find an advisor or store.

BEST DOCTORS and other trademarks shown are trademarks of Best Doctors, Inc. Used under license.
Munich Reinsurance Company, 2006 Critical Illness Survey.
This information is intended as a summary only. Your policy will contain complete details on terms and conditions, including benefits and exclusions.
Cancer is defined as the definite diagnosis of a tumour characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. The diagnosis of Cancer must be made by a specialist. Exclusion: No critical illness benefit will be payable under Cancer for: carcinoma in situ; Stage 1A malignant melanoma (melanoma less than or equal to one millimetre (1.0 mm) in thickness, not ulcerated and without Clark level IV or level V invasion); any non-melanoma skin cancer that has not metastasized; or Stage A (T1a or T1b) prostate cancer.