Critical Illness
Insurance
Group Critical Illness Insurance for Employees.
Contact us today for more information on critical illness insurance or request a quote online, by phone, or at one of our locations. Read on for more details on this valuable coverage.
Other conditions may be covered as well; some insurers will cover up to 18 to 25 illnesses! This may include:
- Alzheimer’s disease
- Bacterial Meningitis
- Blindness
- Brain injuries or tumours
- Burns
- Coma
- Deafness
- Kidney failure
- Loss of speech or limbs
- Loss of independent existence
- Major heart surgeries
- Major organ transplant
- Motor neuron disease
- Multiple Sclerosis
- Paralysis
- Parkinson’s disease
Generally, the illness must be considered life-threatening and some insurers dictate there must be permanent damage or life-changing impact, but this varies. Each insurer is different and one will cover one type of cancer while another will not. That’s why it’s critical to work with a critical illness insurance broker here at Rogers to ensure you’re getting the best policy possible for your company.
Keep in mind that pre-existing conditions are not usually covered. There is also generally a 30 day waiting period after the coverage is purchased where your staff won’t be protected if they’re diagnosed with one of these critical illnesses.
It’s also important to note that the employee must survive this illness. If they pass away, they would not be covered. (A life insurance policy would be needed to provide financial help for their family.) Generally, the individual must survive for at least 30 days after the onset or diagnosis of the critical illness to receive critical illness insurance benefits. Again, this time period may vary by the insurer so it’s critical to understand the policy.
Who needs Group Critical Illness Insurance?
As one of Alberta’s Top Employers, we understand that benefits are a great way to bring value to your employees as a company. This is good coverage to include as part of your benefits package to add affordable extra value for your employees. Why?
It reduces worry during an already stressful period. If your employee experiences a critical illness, they should focus their strength on recovery. However, they may have financial strain during this period as they’re unable to work yet still have bills to pay. Critical illness insurance can help reduce your employee’s financial burden during their convalescence period.
It’s also important to note that critical illness insurance is not the same thing as short or long term disability, or is it life insurance. In fact, it’s a good complement for these policies to round out financial relief coverage in the event of a serious illness.
What are the limits of Critical Illness Insurance?
This type of insurance isn’t a replacement for life or disability insurance. In fact, it is a perfect complement to these policies. It provides a lump sum if you are diagnosed with a specific life-threatening illness and survive. It won’t provide any coverage if you pass away within 30 to 90 days of your diagnosis – you’d need life insurance for that. It also won’t replace your income or provide longer-term help – that would be disability insurance.
Critical illness insurance offers protection for a specific list of serious illnesses. This varies by insurer and the level of plan you choose. It also won’t provide coverage for pre-existing conditions or illnesses relating to drug or alcohol abuse or attempted suicide.
Generally, this type of coverage has an age limit, usually 65 or 75.
It’s always a good idea to review the limits and exclusions of every policy with an insurance broker to ensure you understand your protection.
Working with Rogers Insurance
You can trust our expertise when it comes to critical illness insurance. From quotes to claims, we advocate on your behalf and are your insurance and risk management resource. We can help you build a group critical illness insurance plan to strengthen your benefits program.
Since 1977, Rogers has been a trusted insurance advisor. We’ve grown from a single office in Alberta to one of Canada’s leading and largest independent insurance brokerages. What does that mean for you? It means we work for you, not for an insurance company.

You’ll get competitive critical illness insurance quotes. We work with Canada’s best benefit providers and have access to a large number of markets which means we can offer you a true choice in your insurance coverage. We can find what works for your needs and budget.
Contact us today for a critical illness insurance quote or to find out more about this coverage.