Critical illness insurance typically covers major illnesses including cancer, heart attack, stroke, coronary artery bypass surgery, kidney failure, major organ transplant, and paralysis. Coverage details and definitions may vary by policy.
A critical illness diagnosis can be overwhelming, but financial stress doesn't have to add to the burden. Sun Life’s Express Critical Illness Insurance (Express CII) provides a tax-free cash payment to help cover expenses your provincial plan may not cover, giving you the freedom to focus on recovery.
Get your personalized Express CII quote online now and discover how affordable protection can be.
Why get critical illness insurance?
Critical illness insurance helps provide financial protection if you're diagnosed with a covered illness like cancer, heart attack, stroke, or organ failure.
Key benefits of critical illness insurance include:
Tax-free lump-sum payment
Use the money however you need, whether for medical bills, mortgage payments, or living expenses*.
Instant online approval
No medical exam required and instant online approval for eligible applicants.
Coverage for major illnesses
Protection against cancer, heart attack, stroke, coronary artery bypass surgery, kidney failure, major organ transplant, and paralysis.
Flexible cancellation
Cancel anytime with a full refund if done within the first 30 days.
How to get critical illness insurance online
Getting coverage takes just minutes. Follow these three simple steps:
Step 1: Tell us about yourself
Complete a brief online questionnaire about your:
- First name
- Date of birth
- Province or territory of residence
- Assigned sex at birth
- Smoker status
Step 2: Get a quote and apply
- Select your plan (basic, enhanced, or comfort)
- Review your premium for the selected plan
- Confirm and select optional coverage
- Declaration and authorization
- Submit your application
Step 3: Receive confirmation
After submitting your application:
- You’ll receive your policy details confirming approval to your email
- You'll receive a welcome letter with your policy documents by mail
- Coverage begins once your application is approved and first payment is processed
Ready to protect your financial future?
Get your free, no-obligation quote in minutes.
Frequently Asked Questions
Premium costs vary based on factors like your age, health status, coverage amount, and lifestyle.
Get a personalized quote online to see pricing for your selection.
No medical exam is required for most applicants. You'll complete a brief online questionnaire about your health and medical history.
If you’ve only applied for Express CII, approval is instant. Once approved and your first payment is processed, coverage begins immediately.
Upon diagnosis of a covered illness, you'll receive a tax-free lump-sum payment sent directly to you. You can use this money for any purpose without restrictions.
Yes, you can cancel anytime. If you cancel within the first 30 days, you'll receive a full refund of premiums paid.
Coverage amounts range from $25,000 to $50,000. Consider your mortgage balance, monthly expenses, and potential out-of-pocket medical costs.
A Sun Life advisor can help you calculate the right amount for your situation.
This information is meant for educational and illustrative purposes only. Some conditions, exclusions and restrictions apply.
* There are no specific income tax laws for critical illness insurance. Based on current tax laws, we believe any cash benefit from critical illness insurance will not presently be taxed when the policy is owned by an individual and the benefit is payable to an individual. Claims are assessed based critical illnesses specifically covered in the Client's critical illness insurance contract at time of issue. Covered illnesses must meet the specific definition requirements, and coverage is subject to exclusions and limitations. Diagnosis of a critical illness must occur after the effective date of coverage and you must complete a survival period (usually 30 days).