{"id":40286,"date":"2026-07-31T10:00:49","date_gmt":"2026-07-31T14:00:49","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=40286"},"modified":"2026-07-31T17:06:49","modified_gmt":"2026-07-31T21:06:49","slug":"what-does-critical-illness-insurance-cover","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/what-does-critical-illness-insurance-cover","title":{"rendered":"What Does Critical Illness Insurance Cover? Guide to Common Conditions"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/personal\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">What Does Critical Illness Insurance Cover? Guide to Common Conditions<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-07-31T10:00:49-04:00\">July 31, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">15 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/image-3.png?quality=80&w=512\" alt=\"Mark Gronowski\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Mark Gronowski<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\">Insurance Writer<\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/07\/What-does-critical-illness-insurance-cover-Guide-to-common-conditions.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"What does critical illness insurance cover? Guide to common conditions\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/07\/What-does-critical-illness-insurance-cover-Guide-to-common-conditions.webp 1024w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/07\/What-does-critical-illness-insurance-cover-Guide-to-common-conditions.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/07\/What-does-critical-illness-insurance-cover-Guide-to-common-conditions.webp?resize=768,512 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=What Does Critical Illness Insurance Cover? Guide to Common Conditions &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/what-does-critical-illness-insurance-cover\" aria-label=\"Email\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/what-does-critical-illness-insurance-cover\" aria-label=\"Copy URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">What is critical illness insurance in Canada?\u00a0<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-what-is-critical-illness-insurance-in-canada-nbsp\">What is critical illness insurance in Canada?\u00a0<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-conditions-does-critical-illness-insurance-nbsp-typically-nbsp-cover-nbsp-in-canada-nbsp\">What conditions does critical illness insurance\u00a0typically\u00a0cover\u00a0in Canada?\u00a0<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-choose-the-right-critical-illness-insurance-plan-for-you-nbsp-nbsp\">How to choose the right critical illness insurance plan for you\u00a0\u00a0<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel blog-article\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>Few things reshape your priorities as suddenly as a critical illness&nbsp;diagnosis. In an instant,&nbsp;your health&nbsp;becomes a priority,&nbsp;yet life&nbsp;doesn&#8217;t&nbsp;pause. Bills still need to be paid, time off work still needs to be managed, and the pressure of it all can feel overwhelming.&nbsp;The reality is critical illnesses like cancer or stroke can strike unexpectedly, affecting millions of Canadians each year.&nbsp;That\u2019s&nbsp;where&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/\" data-dig-id=\"LP-HealthInsurance-40286-6cb6d6f1\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"critical illness insurance\" class=\"rbc-link-format\">critical illness insurance<\/a>&nbsp;comes&nbsp;in, providing support for many of these serious conditions.&nbsp;<\/p>\n\n\n\n<p>But what does critical illness insurance actually cover?&nbsp;In this article, we&nbsp;explain&nbsp;the&nbsp;most common&nbsp;conditions&nbsp;often covered by critical illness&nbsp;insurance&nbsp;and&nbsp;what Canadians should know when comparing coverage options.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<h3 class=\"wp-block-heading\" id=\"h-key-takeaways\"><a><\/a>Key takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Critical illness insurance provides a one-time, tax-free lump-sum payment <\/strong>if you\u2019re diagnosed with&nbsp;and survive&nbsp;a covered condition.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Depending on the policy, coverage can include more than 25 serious illnesses and medical conditions<\/strong>, including&nbsp;life&nbsp;threatening&nbsp;cancer, stroke, heart attack, multiple sclerosis, and kidney failure.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>A&nbsp;critical illness&nbsp;payout can help&nbsp;with&nbsp;lost income<\/strong>,&nbsp;mortgage payments, childcare, treatment, home care,&nbsp;and more.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>When comparing plans, it\u2019s important to consider the coverage amount&nbsp;that fits your needs<\/strong>,&nbsp;which conditions are included in the&nbsp;coverage and how each critical illness condition is defined \u2013 these details can vary between insurers.&nbsp;<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-critical-illness-insurance-in-canada-nbsp\">What is critical illness insurance in Canada?&nbsp;<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/what-is-critical-illness-insurance\/\" data-dig-id=\"LP-HealthInsurance-40286-6cb6d6f1\" data-dig-label=\"Critical illness insurance&nbsp;\" data-dig-action=\"link click\" data-dig-category=\"LP-HealthInsurance\" class=\"rbc-link-format\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/what-is-critical-illness-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/what-is-critical-illness-insurance\/\" data-dig-id=\"LP-HealthInsurance-40286-6cb6d6f1\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"Critical illness insurance\" class=\"rbc-link-format\">Critical illness insurance<\/a>&nbsp;is a type of coverage that pays you&nbsp;a one-time, tax-free,&nbsp;lump-sum payment if you\u2019re diagnosed with a&nbsp;serious illness that\u2019s covered under your policy and you survive&nbsp;for a set time after diagnosis, which can last anywhere from 30 to 90 days.&nbsp;Depending on the plan, coverage amounts&nbsp;can&nbsp;range from $10,000 to&nbsp;up to&nbsp;$3&nbsp;million for comprehensive plans.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Unlike your provincial health plan or workplace benefits, critical illness insurance isn&#8217;t tied to specific medical expenses. The money is yours to use however you need it most covering everyday bills, mortgage or rent payments, childcare, prescription drugs, medical equipment, out-of-pocket treatments, home care, or simply taking time away from work to focus on getting better.&nbsp;<\/p>\n\n\n\n<p>Depending on the plan, coverage amounts can range from $10,000 to $3 million, giving you the flexibility to choose what fits your life and budget.&nbsp;&nbsp;<\/p>\n\n\n\n<p>It&#8217;s also worth understanding how critical illness insurance differs from disability insurance. Disability insurance replaces a portion of your income through regular monthly payments if you&#8217;re unable to work.&nbsp;With critical illness insurance, the one-time lump-sum payment you receive is&nbsp;yours regardless of whether you return to work after your diagnosis. Many Canadians who survive a critical illness do go back to&nbsp;work but&nbsp;still face significant out-of-pocket costs along the way. That&#8217;s what the&nbsp;critical illness insurance&nbsp;payment is designed to help with,&nbsp;so&nbsp;you have the flexibility to&nbsp;decide how and when to use it.&nbsp;<\/p>\n\n\n\n<p>Learn more:&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/\" data-dig-id=\"LP-HealthInsurance-40286-6cb6d6f1\" data-dig-label=\"Critical Illness Insurance vs Disability Insurance&nbsp;&nbsp;\" data-dig-action=\"link click\" data-dig-category=\"LP-HealthInsurance\" class=\"rbc-link-format\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/\" data-dig-id=\"LP-HealthInsurance-40286-6cb6d6f1\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"Critical Illness Insurance vs Disability Insurance\" class=\"rbc-link-format\">Critical Illness Insurance vs Disability Insurance<\/a>&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-when-should-you-get-critical-illness-insurance-nbsp\">When should you get critical illness insurance?&nbsp;<\/h3>\n\n\n\n<p>Over half of Canadians worry they could be diagnosed with a critical illness, yet most are unprepared financially, according to an&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/newsroom\/whats-the-plan-when-life-happens-most-canadians-dont-have-one-rbc-insurance-poll\/\" data-dig-id=\"LP-HealthInsurance-40286-6cb6d6f1\" data-dig-label=\"RBC Insurance survey.\" data-dig-action=\"link click\" data-dig-category=\"LP-HealthInsurance\" class=\"rbc-link-format\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/newsroom\/whats-the-plan-when-life-happens-most-canadians-dont-have-one-rbc-insurance-poll\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/newsroom\/whats-the-plan-when-life-happens-most-canadians-dont-have-one-rbc-insurance-poll\/\" data-dig-id=\"LP-HealthInsurance-40286-6cb6d6f1\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"RBC Insurance survey\" class=\"rbc-link-format\">RBC Insurance survey<\/a>.&nbsp;Ideally,&nbsp;you&nbsp;should&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/when-should-you-buy-critical-illness-insurance\/#h-7-factors-to-consider-when-buying-critical-illness-insurance-nbsp\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/when-should-you-buy-critical-illness-insurance\/#h-7-factors-to-consider-when-buying-critical-illness-insurance-nbsp\" data-dig-id=\"LP-HealthInsurance-40286-6cb6d6f1\" data-dig-label=\"have coverage in place&nbsp;before&nbsp;you need it\" data-dig-action=\"link click\" data-dig-category=\"LP-HealthInsurance\" class=\"rbc-link-format\">have coverage in place&nbsp;<em>before<\/em>&nbsp;you need it<\/a>. Because if you\u2019ve already been diagnosed with a condition before applying, that condition may be excluded from your policy or subject to additional requirements. You can still get coverage, but the earlier you apply, the more comprehensive your coverage&nbsp;is likely to be, and&nbsp;the more straightforward the process.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Many&nbsp;Canadians start thinking about critical illness insurance during major life milestones: a&nbsp;new mortgage,&nbsp;a&nbsp;growing family,&nbsp;becoming self-employed, or&nbsp;a milestone birthday.&nbsp;These are natural prompts to take stock of where you&#8217;d stand financially if your health&nbsp;suddenly&nbsp;changed.&nbsp;<\/p>\n\n\n\n<p>The best time to take out critical illness insurance is when you\u2019re young and healthy. That\u2019s because&nbsp;insurance premiums&nbsp;are&nbsp;typically cheaper&nbsp;as the risk of developing a serious illness increases with age.&nbsp;That said, if you haven&#8217;t gotten around to it yet, it&#8217;s not too late.&nbsp;&nbsp;<\/p>\n\n\n\n<p>As the proverb goes, \u201cThe best time to plant a tree was 20 years ago, the second best-time is now.\u201d So, even if you\u2019re in your 40s or 50s,&nbsp;it\u2019s still a smart, proactive move to&nbsp;consider&nbsp;putting&nbsp;critical illness insurance&nbsp;coverage in place, before you need it.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-conditions-does-critical-illness-insurance-nbsp-typically-nbsp-cover-nbsp-in-canada-nbsp\">What conditions does critical illness insurance&nbsp;typically&nbsp;cover&nbsp;in Canada?&nbsp;<\/h2>\n\n\n\n<p>Your exact coverage will depend on the plan you choose, but&nbsp;comprehensive critical illness&nbsp;policies&nbsp;may&nbsp;cover more than 25 serious illnesses and medical conditions, including cancer, stroke, heart attack, multiple sclerosis, and kidney failure.&nbsp;<\/p>\n\n\n\n<p>Below are some of the most common conditions covered by critical illness insurance in Canada.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-cancer-nbsp\">Cancer&nbsp;<\/h3>\n\n\n\n<p>Cancer is the leading cause of death in Canada and has&nbsp;its&nbsp;financial impact can be just as significant as its physical toll. According to the Canadian Medical Association Journal, more than&nbsp;<a href=\"https:\/\/www.cmaj.ca\/content\/198\/14\/E526\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.cmaj.ca\/content\/198\/14\/E526\" data-dig-id=\"LP-HomeInsurance-CriticalIllness-40286-85a51b13\" data-dig-category=\"LP-HomeInsurance-CriticalIllness\" data-dig-action=\"link click\" data-dig-label=\"254,000&nbsp;cancer cases\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">254,000&nbsp;cancer cases<\/a>&nbsp;are&nbsp;expected to&nbsp;be diagnosed in 2026 alone, making it one of the country\u2019s most common serious illnesses.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Thankfully, many critical illness insurance plans provide a full lump-sum benefit for life-threatening cancers, including:&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Carcinoma&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Melanoma&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Leukemia&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Lymphoma&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Sarcoma&nbsp;<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-what-about-early-stage-diagnoses-nbsp\">What about early-stage diagnoses?&nbsp;<\/h4>\n\n\n\n<p>Beyond&nbsp;life-threatening&nbsp;cases, some plans also include partial coverage for early-stage diagnoses through an early assistance benefit.&nbsp;For example, with the&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/\" data-dig-id=\"LP-HealthInsurance-40286-6cb6d6f1\" data-dig-label=\"Critical Illness Recovery Plan,\" data-dig-action=\"link click\" data-dig-category=\"LP-HealthInsurance\" class=\"rbc-link-format\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/\" data-dig-id=\"LP-HealthInsurance-40286-6cb6d6f1\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"Critical Illness Recovery Plan\" class=\"rbc-link-format\">Critical Illness Recovery Plan<\/a>,&nbsp;certain early-stage&nbsp;conditions qualify for a smaller lump-sum payout of 20 per cent of your total coverage, up to a maximum of $50,000.&nbsp;<\/p>\n\n\n\n<p>This early assistance applies to early-stage forms of:&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Breast cancer&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Blood cancer (chronic lymphocytic leukemia)&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Prostate cancer&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Thyroid cancer&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Intestinal cancer&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Neuroendocrine tumours&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Skin cancer (melanoma)&nbsp;<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n\n\n\n<p>Even if a diagnosis doesn\u2019t qualify for the full lump-sum payout, this partial coverage can still help ease some of the financial pressure that comes with treatment and recovery.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-heart-conditions-nbsp\">Heart conditions&nbsp;<\/h3>\n\n\n\n<p>Heart disease and stroke impact more than&nbsp;<a href=\"https:\/\/www.heartandstroke.ca\/articles\/heart-disease-in-canada-new-stats-and-how-to-lower-your-risk\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.heartandstroke.ca\/articles\/heart-disease-in-canada-new-stats-and-how-to-lower-your-risk\" data-dig-id=\"LP-HomeInsurance-CriticalIllness-40286-a9c8aede\" data-dig-category=\"LP-HomeInsurance-CriticalIllness\" data-dig-action=\"link click\" data-dig-label=\"6 million\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">6 million<\/a>&nbsp;Canadians,&nbsp;making heart-related conditions among the most important to have covered. Critical illness insurance can cover you for major heart conditions and procedures such as:&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Severe heart attack (acute myocardial infarction):&nbsp;<\/strong>A blockage that cuts off blood flow&nbsp;to part of the heart,&nbsp;causing&nbsp;damage&nbsp;to&nbsp;the heart muscle.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Coronary artery bypass surgery:<\/strong>&nbsp;A&nbsp;procedure&nbsp;that&nbsp;helps&nbsp;restore healthy blood flow&nbsp;by rerouting blood&nbsp;around blocked or narrowed arteries.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Aortic surgery:<\/strong>&nbsp;Surgery to repair or replace&nbsp;a section&nbsp;of the aorta&nbsp;\u2013 the body\u2019s main artery&nbsp;carrying blood from the heart.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Heart valve replacement or repair:&nbsp;<\/strong>A procedure to&nbsp;repair or replace a damaged heart valve.&nbsp;<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-neurological-conditions-nbsp\">Neurological conditions&nbsp;<\/h3>\n\n\n\n<p>Neurological conditions&nbsp;like&nbsp;multiple&nbsp;sclerosis and dementia&nbsp;can affect nearly every part of daily life, from memory and mobility to communication and independence.&nbsp;Treatment and recovery&nbsp;often&nbsp;involve&nbsp;rehabilitation, home modifications, and ongoing support, all of which can&nbsp;add&nbsp;significant&nbsp;financial pressure during an already difficult time.&nbsp;<\/p>\n\n\n\n<p>Critical illness insurance may provide coverage for major neurological conditions, including:&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Stroke:&nbsp;<\/strong>This condition can happen at any age,&nbsp;and over 870,000&nbsp;Canadian&nbsp;adults have&nbsp;<a href=\"https:\/\/www.canada.ca\/en\/public-health\/services\/publications\/diseases-conditions\/stroke-in-canada.html\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.canada.ca\/en\/public-health\/services\/publications\/diseases-conditions\/stroke-in-canada.html\" data-dig-id=\"LP-HomeInsurance-CriticalIllness-40286-da01420d\" data-dig-category=\"LP-HomeInsurance-CriticalIllness\" data-dig-action=\"link click\" data-dig-label=\"experienced a stroke\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">experienced a stroke<\/a>.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Multiple Sclerosis (MS):&nbsp;<\/strong>MS is a&nbsp;chronic&nbsp;autoimmune disease that affects the&nbsp;central&nbsp;nervous system. Of the&nbsp;<a href=\"https:\/\/www.canada.ca\/en\/public-health\/services\/publications\/diseases-conditions\/multiple-sclerosis-infographic.html\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.canada.ca\/en\/public-health\/services\/publications\/diseases-conditions\/multiple-sclerosis-infographic.html\" data-dig-id=\"LP-HomeInsurance-CriticalIllness-40286-499ee393\" data-dig-category=\"LP-HomeInsurance-CriticalIllness\" data-dig-action=\"link click\" data-dig-label=\"290 per 100,000 Canadian adults\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">290 per 100,000 Canadian adults<\/a>&nbsp;living&nbsp;with MS,&nbsp;70 per cent&nbsp;are&nbsp;women.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Parkinson\u2019s Disease:<\/strong>&nbsp;A&nbsp;complex,&nbsp;progressive&nbsp;condition&nbsp;that&nbsp;makes muscle control&nbsp;and movement&nbsp;difficult. More than&nbsp;<a href=\"https:\/\/www.parkinson.ca\/what-is-parkinsons\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.parkinson.ca\/what-is-parkinsons\/\" data-dig-id=\"LP-HomeInsurance-CriticalIllness-40286-dbe7e485\" data-dig-category=\"LP-HomeInsurance-CriticalIllness\" data-dig-action=\"link click\" data-dig-label=\"120,000 people in Canada\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">120,000 people in Canada<\/a>&nbsp;live with Parkinson\u2019s.&nbsp;&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Dementia (including Alzheimer\u2019s):<\/strong>&nbsp;Characterized by a decline in memory and reasoning, an estimated&nbsp;<a href=\"https:\/\/alzheimer.ca\/en\/about-dementia\/what-dementia\/dementia-numbers-canada\" data-dig-id=\"LP-CriticalIllness-40286-2bdcecd1\" data-dig-category=\"LP-CriticalIllness\" data-dig-action=\"link click\" data-dig-label=\"771,939\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">771,939<\/a>&nbsp;Canadians&nbsp;currently live with&nbsp;Dementia.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Motor Neuron Disease (ALS):<\/strong>&nbsp;A&nbsp;rapidly progressive&nbsp;and&nbsp;severe condition&nbsp;that&nbsp;attacks the nerve cells responsible for voluntary muscle movement.&nbsp;<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-organ-failure-nbsp\">Organ failure&nbsp;<\/h3>\n\n\n\n<p>Organ failure affects&nbsp;some of the body\u2019s most essential systems and often requires&nbsp;urgent, ongoing medical care. Treatments like dialysis, transplant surgery, and lengthy recovery periods can significantly disrupt daily life&nbsp;and add&nbsp;financial pressure.&nbsp;<\/p>\n\n\n\n<p>Critical illness insurance may provide coverage for conditions such as:&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Kidney failure:&nbsp;<\/strong>When the kidneys&nbsp;stop functioning&nbsp;properly,&nbsp;dialysis or a kidney transplant&nbsp;can&nbsp;become necessary&nbsp;to sustain life.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Major organ failure on waiting list:&nbsp;<\/strong>Severe organ failure where a transplant is medically required and the person has been placed on an official transplant waiting list.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Major organ transplant:<\/strong>&nbsp;Surgery to receive a donor organ, such as a heart, lung, liver, kidney, or pancreas.&nbsp;<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-other-conditions-nbsp-that-may-be-nbsp-covered-nbsp-by-critical-illness-insurance-nbsp\">Other conditions&nbsp;that may be&nbsp;covered&nbsp;by critical illness insurance&nbsp;<\/h3>\n\n\n\n<p>Not every covered condition fits neatly into categories like cancer or heart disease. Some involve sudden medical events or permanent physical changes that can&nbsp;significantly&nbsp;affect a person\u2019s ability to work and&nbsp;live&nbsp;independently.&nbsp;<\/p>\n\n\n\n<p id=\"h-covered-conditions-may-include-nbsp\">Covered conditions may include:&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Benign brain tumour:<\/strong>&nbsp;Such as a&nbsp;non-cancerous tumour in the brain that may require surgery or extensive treatment.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Traumatic brain injury:<\/strong>&nbsp;Severe injury to the brain that results in lasting neurological damage or cognitive impairment.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Coma:&nbsp;<\/strong>A state of prolonged&nbsp;unconsciousness&nbsp;caused by illness or injury.&nbsp;&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Blindness:&nbsp;<\/strong>Permanent and irreversible loss of&nbsp;sight.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Deafness:&nbsp;<\/strong>Permanent and irreversible loss of hearing.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Loss of limbs:<\/strong>&nbsp;The loss of one or more limbs due to illness or injury.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Loss of speech:&nbsp;<\/strong>Permanent&nbsp;and irreversible&nbsp;loss of the ability to speak&nbsp;due to injury or illness.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Paralysis:<\/strong>&nbsp;Total loss of muscle function of two or more limbs because of injury or disease to the nerve supply of those limbs.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Severe burns:<\/strong>&nbsp;Serious burns that may require skin grafts, surgery, and extensive rehabilitation.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Aplastic anemia:&nbsp;<\/strong>A rare condition where the body stops producing enough healthy blood cells.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Bacterial meningitis:<\/strong>&nbsp;A serious bacterial infection affecting the brain and spinal cord.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Occupational HIV infection:&nbsp;<\/strong>HIV infection acquired through workplace exposure in an eligible occupation.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Loss of independent existence:<\/strong>&nbsp;A condition where a person can no longer perform basic daily activities without ongoing assistance.&nbsp;<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-choose-the-right-critical-illness-insurance-plan-for-you-nbsp-nbsp\">How to choose the right critical illness insurance plan for you&nbsp;&nbsp;<\/h2>\n\n\n\n<p>Critical illness insurance plans can vary depending on the type of coverage you choose. When&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/compare-critical-illness-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/compare-critical-illness-insurance\/\" data-dig-id=\"LP-HealthInsurance-40286-6cb6d6f1\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"comparing critical illness insurance plans\" class=\"rbc-link-format\">comparing critical illness insurance plans<\/a>, it helps to look beyond the monthly premium to understand which conditions are&nbsp;covered,&nbsp;how&nbsp;benefits are paid, and any additional services offered.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Coverage amount:&nbsp;<\/strong>Some Canadians choose coverage based on ongoing expenses like mortgage payments, childcare, or time away from work. Others may want added financial support for costs that aren\u2019t typically covered by provincial health insurance&nbsp;or workplace benefit plans, such as rehabilitation, medical equipment, home care, or travel for treatment.&nbsp;&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Number of conditions covered:<\/strong>&nbsp;Basic plans&nbsp;generally focus&nbsp;on common conditions like cancer, heart attack, and stroke, while more comprehensive plans may cover 25 or&nbsp;more illnesses and medical&nbsp;conditions.&nbsp;It\u2019s always important to review your policy to verify the specific covered conditions, exact definitions, and any exclusions that may apply.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Partial vs. full benefits:<\/strong>&nbsp;Certain conditions may qualify for a full payout, while others may provide a partial benefit through an early assistance feature.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Survival periods:&nbsp;<\/strong>Most plans include a survival period, which is the number of days a person must survive following a diagnosis before benefits are paid&nbsp;out.&nbsp;These vary by condition and by&nbsp;insurer and&nbsp;can range anywhere from 30 to 90 days.&nbsp;For&nbsp;example, a&nbsp;cancer&nbsp;diagnosis&nbsp;may require a&nbsp;90-day&nbsp;survival period, while some cardiac conditions typically require 30 days.&nbsp;Certain conditions may have no survival period at all. Shorter or no survival periods mean you can access financial relief sooner, so it\u2019s worth comparing this detail across plans.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Return of premium options:&nbsp;<\/strong>Some plans may include&nbsp;the&nbsp;option&nbsp;to&nbsp;refund some or all premiums paid if a claim is never made and certain conditions are met.&nbsp;<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n\n\n\n<p id=\"h-if-you-re-not-sure-how-much-critical-illness-insurance-coverage-makes-sense-nbsp-this-nbsp-critical-illness-insurance-calculator-nbsp-can-help-you-estimate-your-needs-based-on-your-expenses-and-financial-obligations-nbsp-nbsp\">If you\u2019re not sure how much critical illness insurance coverage makes sense,&nbsp;this&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/critical-illness-insurance-calculator.html\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/critical-illness-insurance-calculator.html\" data-dig-id=\"LP-HealthInsurance-40286-6cb6d6f1\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"critical illness insurance calculator\" class=\"rbc-link-format\">critical illness insurance calculator<\/a>&nbsp;can help you estimate your needs based on your expenses and financial obligations.&nbsp;&nbsp;<\/p>\n\n\n\n<p id=\"h-\">You can also speak with a&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/health-insurance\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/health-insurance\/index.html\" data-dig-id=\"LP-HealthInsurance-40286-6cb6d6f1\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"licensed&nbsp;health&nbsp;insurance advisor\" class=\"rbc-link-format\">licensed&nbsp;health&nbsp;insurance advisor<\/a>&nbsp;for more personalized guidance.&nbsp;<\/p>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b section-ads\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-critical-illness-insurance\">RBC Critical Illness Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-reg-font-size\">Protect yourself and your loved ones with critical illness insurance.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn is-style-primary primary\"><a class=\"wp-block-button__link has-text-lg-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/\" data-dig-id=\"LP-32972-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Learn More-https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/ \">Learn More<\/a><\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:19px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-faqs faqs\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<h3 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-faqs-about-critical-illness-coverage-nbsp-nbsp-nbsp\">Frequently asked questions (FAQs) about critical illness coverage&nbsp;&nbsp;&nbsp;<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-is-the-critical-illness-insurance-payout-taxable-in-canada-nbsp\">Is the critical illness insurance payout taxable in Canada?&nbsp;<\/h4>\n\n\n\n<p>No, home insurance isn&#8217;t legally required in Canada. But if you\u2019re buying a home, most mortgage lenders require you to have a policy before approving a loan. Many landlords also require tenants to carry tenant insurance as a condition of their lease agreement.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-what-is-the-difference-between-critical-illness-insurance-and-disability-insurance-in-canada-nbsp\">What is the difference between critical illness insurance and disability insurance in Canada?&nbsp;<\/h4>\n\n\n\n<p>The&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/\" data-dig-id=\"LP-HealthInsurance-40286-6cb6d6f1\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"difference between critical illness insurance and disability insurance\" class=\"rbc-link-format\">difference between critical illness insurance and disability insurance<\/a>&nbsp;is how and when benefits are paid. Critical illness insurance provides a one-time lump-sum payment after the diagnosis of a covered condition and completion of the policy\u2019s survival period. Disability insurance provides ongoing monthly income replacement if someone is unable to work due to illness or injury.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-how-many-conditions-does-rbc-nbsp-critical-nbsp-illness-nbsp-insurance-cover-nbsp\">How many conditions does RBC&nbsp;Critical&nbsp;Illness&nbsp;Insurance cover?&nbsp;<\/h4>\n\n\n\n<p>RBC Insurance&nbsp;provides comprehensive coverage for&nbsp;26&nbsp;illnesses and medical conditions&nbsp;including&nbsp;life threatening&nbsp;cancer, heart conditions, stroke, multiple&nbsp;sclerosis, Parkinson\u2019s&nbsp;disease&nbsp;and kidney failure. Canadians can also&nbsp;choose from different benefit amounts, term lengths,&nbsp;and optional return-of-premium riders.&nbsp;Please note that all coverage is subject to specific policy terms, conditions, and exclusions.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-what-is-a-survival-period-in-critical-illness-insurance-nbsp\">What is a survival period in critical illness insurance?&nbsp;<\/h4>\n\n\n\n<p>A survival period is the number of days a person must survive following the diagnosis of a covered condition before a benefit becomes payable. For many covered conditions, the survival period is&nbsp;typically&nbsp;30 days, although some conditions, like cancer,&nbsp;there can be&nbsp;a 90-day survival period.&nbsp;<\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HealthInsurance-40286-2de7ba0a\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<br><br>Statistics cited in this material are for informational and educational purposes only and are sourced from third-party research. They are not intended to&nbsp;represent&nbsp;the scope of coverage provided under RBC Insurance&#8217;s critical illness insurance products. Please refer to the policy for a complete list of covered conditions, definitions, and eligibility requirements, or speak to your insurance advisor.&nbsp; <\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As a newcomer to Canada, finding somewhere to live in an important first step. Learn more about the types of coverage available and how to get home insurance as a newcomer.<\/p>\n","protected":false},"author":222,"featured_media":40288,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[46],"tags":[9],"article-type":[80],"ppma_author":[190],"class_list":{"0":"post-40286","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-health-insurance","8":"tag-health-insurance","9":"article-type-advice-learning"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What Does Critical Illness Insurance Cover? 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