Critical Illness Insurance – Income Protection for Life’s Unexpected Moments
Focus on Recovery, Not Finances
A serious illness can strike at any time—causing emotional stress and financial disruption. Critical illness insurance under income protection provides a tax-free lump sum payment upon diagnosis of a covered condition, helping you manage medical bills, household expenses, and time off work while you focus on recovery.
At Baljit Kaur Insurance Services, we offer personalized critical illness coverage for individuals and families across Ontario—giving you the financial support you need when health challenges arise.
What Is Critical Illness Insurance?
Cancer
Heart Attack
Stroke
Kidney failure
Major organ transplant
Multiple sclerosis
Key Benefits of Critical Illness Insurance
Critical illness insurance under income protection provides a powerful financial safety net when you need it most. A major health diagnosis—such as cancer, heart attack, or stroke—not only affects your physical well-being but also disrupts your income, routine, and financial stability. Critical illness insurance offers a lump-sum payout upon diagnosis, giving you the freedom to use the funds where they matter most: paying for medical treatments, covering household expenses, or replacing lost income during recovery.
One of the key benefits is financial flexibility during health crises, so you’re not forced to dip into savings or take on debt. It allows you to access specialized care, alternative therapies, or travel for treatment, all on your terms. The payout is tax-free and can also help with home modifications, childcare, or even maintaining your mortgage while you recover.
For families, business owners, or sole income providers, critical illness insurance offers peace of mind and protection from the long-term financial consequences of a serious illness—letting you focus on what truly matters: healing and getting your life back on track.
Protect Your Health. Protect Your Income.
A critical illness diagnosis is never easy—but your finances shouldn’t suffer because of it. With the right protection, you can prioritize what matters most: healing and hope.