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Accident & Sickness Insurance

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1st Applicant

Pre-existing Medical Condition

2nd Applicant

Pre-existing Medical Condition

Accident & Sickness Insurance in Canada

Accident & Sickness Insurance offers crucial financial protection if you are unable to work due to an injury or illness. It helps cover medical expenses, replaces lost income, and ensures you can focus on recovery without the burden of financial stress.

What is Accident & Sickness Insurance?

Accident Coverage: Provides benefits if you are injured in an accident, covering medical costs, rehabilitation, and, in some cases, partial income replacement.

Sickness Coverage: Offers financial support when illness prevents you from working, helping with medical bills and lost earnings.

Income Replacement: Replaces a portion of your income while you recover, ensuring your bills and day-to-day expenses are covered.

Medical Expenses: Covers essential healthcare costs such as hospital stays, surgeries, medications, and therapy sessions.

Rehabilitation Support: Pays for physical therapy and rehabilitation services needed to regain health and function.

Conclusion

Accident & Sickness Insurance is a vital safety net that protects both your income and medical expenses when life takes an unexpected turn. It ensures you can focus on recovery without the burden of financial strain. Understanding your options and selecting the right coverage can safeguard you and your family from unforeseen hardships.

Why Choose Accident & Sickness Insurance?

Unexpected accidents or illnesses can impact your ability to work and maintain your financial stability. With comprehensive insurance, you can focus on recovery without worrying about expenses.

Key Benefits

  • Income Security: Maintains your lifestyle during recovery.
  • Medical Expense Coverage: Reduces the cost of treatments and hospital stays.
  • Rehabilitation Support: Helps fund therapies for faster recovery.
  • Customizable Plans: Tailor coverage based on your needs.

Get Covered Today

Protect yourself and your family from unexpected medical and financial challenges. Our experts can guide you in selecting the best coverage to fit your lifestyle and budget.

Contact us at +1 (416) 871-3571 or request a free quote online today.

Why is Accident & Sickness Insurance Important?

Financial Protection

  • Income Replacement: Maintains a steady income stream when you cannot work.
  • Medical Expense Coverage: Reduces out-of-pocket expenses for treatments and care.
  • Rehabilitation Support: Covers therapies needed to aid your recovery.

Peace of Mind

  • Focus on Healing: Reduces the financial worries so you can prioritize your health.
  • Family Security: Provides support to ensure your loved ones are protected during difficult times.
  • Comprehensive Coverage: Shields you from both accidents and illnesses.

Flexibility

  • Customizable Plans: Tailor your coverage to fit your lifestyle and budget.
  • Portable Coverage: Maintain insurance even if you change jobs or become self-employed.

Who Needs Accident & Sickness Insurance?

  • Employees: Protects income and covers medical expenses if you are unable to work.
  • Self-Employed Individuals: Offers security when employer-sponsored benefits are unavailable.
  • Families: Ensures financial stability if a primary earner is temporarily out of work.
  • High-Risk Workers: Essential for those in physically demanding or hazardous jobs.

Some Important FAQ's

Common Frequently Asked Questions

It covers medical expenses, income replacement, and rehabilitation services if you are unable to work due to an accident or illness.

Premiums vary based on factors like age, health, occupation, and coverage level. Costs can range from $20 to several hundred dollars per month.

Some providers may exclude or limit coverage for pre-existing conditions, while others offer coverage after a waiting period. We help you find the best options.

Benefits are typically based on your income and chosen coverage level, often replacing 60–80% of pre-disability earnings.

Coverage duration varies by policy—short-term plans cover a few months, while long-term plans can extend for years or until a certain age.

Yes, benefits are coordinated with other plans like health or disability insurance to avoid over-insurance.

Claims are submitted by providing medical records, income proof, and details of the accident or illness. Submissions can be done online, by mail, or via the insurer’s app.

Yes, waiting periods can range from a few days to several weeks depending on the policy.

Many insurers allow you to adjust coverage levels, benefits, and premiums to suit your needs and budget.