Main Features

• The following are the most commonly covered critical illnesses and surgical procedures:
  
  
  • Heart attacks, strokes, heart surgery, cancer, kidney failure, organ transplants, paralysis, multiple sclerosis, blindness, deafness, coma, Parkinson's disease, and Alzheimer's disease.
    
    
    
• Since January 2005, Desjardins Financial Security's critical illness insurance also includes additional coverage for serious complications caused by four infectious diseases. To find out which illnesses are covered under Desjardins Financial Security's contract, refer to the Serious Illness Guide.
  
  
• If no benefits have been paid or if the death is due to another cause, premiums may be refunded upon contract maturity.
  
  
• At Desjardins Financial Security, critical illness insurance may be sold on its own or combined with other types of life and health insurance, or sold as part of a product that combines a lump-sum payment in the event of a critical illness with the payment of a sum upon death. In this case, the amount of the benefit paid upon diagnosis of the critical illness is deducted from the sum paid upon death, as the case may be.
   

Serious Illness Guide - Understanding the Effects and Treatments

This guide includes:

• a description of the illnesses covered under Desjardins Financial Security's critical illness insurance (first in technical terms, then an explanation in easy-to-understand terms)
  
  
• a doctor's advice on critical illness insurance
  
  
• useful information on health and prevention
   

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Serious Illness Guide
  35 pages - 478 kb