Protect Yourself Against Critical Illness
5.0 · 268 Google reviewsAdvisors certified by the AMFAn independent firm in Mascouche
1 in 2 Canadians will be affected by cancer. Receive a lump sum to help you get through it.
- Lump sum paid on diagnosis
- Use the money however you want
- 100% premium refund option
- Covers cancer, stroke, heart attack and 25+ illnesses
Canadians affected by cancer
Premium refund option available
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The reality of critical illness in Canada
Critical illnesses are more common than people think, but survival rates keep improving. The challenge is often financial, not medical.
Survival rates are improving — the challenge is financial
People survive, but they still have to pay for treatment, replace their income and cover the bills.
How can you use your benefit?
Unlike health insurance, the lump sum is paid directly to you, with no restrictions.
Private treatment
Access treatments, medication and therapies not covered by the RAMQ.
Income replacement
Maintain your standard of living while you are away from work.
Home care
Hire help for housework, the children or personal care.
Medical travel
Cover travel costs for treatment in other cities.
Paying off debts
Reduce stress by paying off your mortgage or other debts.
Time to recover
Take the time you need to heal without pressure to return to work.
How much does critical illness insurance cost in 2026?
Real monthly premiums surveyed from the insurers we compare, for 20-year coverage or coverage to age 75. The benefit is paid in a single lump sum on diagnosis of a covered illness.
Sample rates: 20-year term critical illness insurance
For a non-smoking woman
| Amount / Age | Age 25 | Age 35 | Age 45 | Age 55 | Age 60 |
|---|---|---|---|---|---|
| $25,000 | $9.40 | $12.68 | $21.98 | $35.30 | $85.43 |
| $50,000 | $14.58 | $21.60 | $38.97 | $70.61 | $153.86 |
| $100,000 | $22.41 | $37.26 | $68.67 | $137.52 | $283.59 |
| $150,000 | $30.92 | $53.19 | $100.31 | $203.58 | $422.69 |
For a non-smoking man
| Amount / Age | Age 25 | Age 35 | Age 45 | Age 55 | Age 60 |
|---|---|---|---|---|---|
| $25,000 | $9.02 | $12.34 | $24.24 | $55.67 | $111.02 |
| $50,000 | $13.41 | $20.48 | $39.87 | $104.63 | $203.49 |
| $100,000 | $19.62 | $32.85 | $70.65 | $185.31 | $378.09 |
| $150,000 | $26.73 | $46.58 | $103.28 | $275.27 | $564.44 |
* Lowest monthly premium among the 6 insurers surveyed through WinQuote on October 30, 2026, for a non-smoker in good health (standard class) living in Quebec. For guidance only: your rate depends on your health, your habits and the insurer chosen. Get your actual rate.
Sample rates: Critical illness insurance to age 75
For a non-smoking woman
| Amount / Age | Age 25 | Age 35 | Age 45 | Age 55 | Age 60 |
|---|---|---|---|---|---|
| $25,000 | $13.95 | $18.36 | $13.68 | $17.33 | $21.96 |
| $50,000 | $15.21 | $16.20 | $19.98 | $29.25 | $38.52 |
| $100,000 | $40.68 | $57.24 | $84.60 | $123.21 | $155.70 |
| $150,000 | $58.32 | $83.16 | $124.20 | $182.12 | $230.85 |
For a non-smoking man
| Amount / Age | Age 25 | Age 35 | Age 45 | Age 55 | Age 60 |
|---|---|---|---|---|---|
| $25,000 | $15.23 | $13.84 | $19.85 | $31.37 | $40.97 |
| $50,000 | $17.01 | $22.28 | $34.29 | $57.33 | $76.55 |
| $100,000 | $42.03 | $63.45 | $95.58 | $165.51 | $217.98 |
| $150,000 | $60.35 | $92.48 | $140.67 | $245.57 | $324.27 |
* Lowest monthly premium among the 5 insurers surveyed through WinQuote on October 30, 2026, for a non-smoker in good health (standard class) living in Quebec. For guidance only: your rate depends on your health, your habits and the insurer chosen. Get your actual rate.
Our critical illness insurance options
Standard
Affordable protection with a lump sum paid on diagnosis. Lower premiums, ideal for basic coverage.
- 25+ illnesses covered
- Paid within 30 days
- Lowest premiums
100% Premium Refund
Get 100% of your premiums back if you never make a claim. Protection plus guaranteed savings.
- 100% of premiums refunded
- 25+ illnesses covered
- Protection plus savings
Health Savings
Also known as critical illness insurance with a 100% premium refund. If you never make a claim, every premium you paid is refunded at the end of the term.
- 100% of premiums refunded
- Same critical illness protection
- Covered or refunded
Affected by cancer
Illnesses covered
Companies compared
Cost of the service
How does it work?
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Answer a few questions about your insurance needs in under 2 minutes.
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We compare products from more than 16 insurance companies to bring you the best options at the best price
All our advisors are certified by the Autorité des marchés financiers (AMF)
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The team behind the service
A small team that serves clients everywhere in Quebec. The person who calls you back works here.
Services financiers Finox inc.: an independent firm
A Quebec financial services firm registered with the Autorité des marchés financiers, based in Mascouche, independent from the insurers. 268 Google reviews, rated 5.0. Your information is used only to prepare your quotes; one person from our team calls you back.
Dany MichaudPartnerAMF no. 243405
Evan Juteau LapierrePartner and senior brokerAMF no. 260856
Étienne LejeuneSenior brokerAMF no. 250008
Alexandre ClémentAssociate advisorAMF no. 250201
Mathis Aubin SavardAdvisorAMF no. 277477
Cédric SénéchalDirector of strategic development and marketing
Kim CôtéProperty and casualty insurance
Zavier BinetteIntern
Émie BélangerAdvisor assistant
Jessica Archambault-LeonaSocial media manager
Questions about Critical Illness Insurance
Critical illness insurance pays you a lump sum (for example, $50,000 or $100,000) if you are diagnosed with a covered serious illness, such as cancer, a stroke or a heart attack. You can use the money however you wish.
Policies generally cover between 25 and 40+ illnesses, including cancers, strokes, heart attacks, multiple sclerosis, Parkinson’s disease, kidney failure and many more. The exact list varies from one company to another.
Return-of-premium critical illness insurance refunds 100% of your premiums at the end of the term if you never made a claim. It is protection with a safety net: either you are covered, or you get your money back.
Health Savings (known in French as Épargne Santé) is simply another name for critical illness insurance with a 100% premium refund. It is the same protection: if you make no claim by the end of the contract, every premium you paid is refunded in full. Some people know it as “Health Savings”, others as “return-of-premium critical illness insurance”: it is the same thing.
The cost depends on your age, your health, the coverage amount and the type of product. On average, a healthy 35-year-old can get $100,000 of coverage starting at roughly $30 to $50 a month.
Yes! Unlike life insurance, critical illness insurance pays the benefit while you are alive, usually 30 days after the diagnosis. It is designed precisely to help you get through the illness.
You are free to use the money however you wish: treatments not covered by the RAMQ, medication, home care, replacing lost income, paying off debts, or simply taking the time you need to recover.
Guide to critical illness insurance in Quebec
Critical illness insurance gives you financial protection if you are diagnosed with an illness covered by your policy. Unlike life insurance, which pays a benefit at death, critical illness insurance pays you a lump sum while you are alive, generally 30 days after the diagnosis. In Quebec, this coverage is increasingly popular because it helps you cope with the costs the RAMQ does not cover.
Return-of-premium critical illness insurance (health savings)
The 100% premium refund option is one of the most popular in Quebec. The principle is simple: you pay your premiums for a set period. If you make a claim, you receive the insured amount. If you make no claim by the end of the term, every premium you paid is refunded in full. It is essentially protection with a financial safety net: you are either covered or you get your money back.
Which illnesses are covered?
Most critical illness policies cover between 25 and 40+ medical conditions, including cancers (all types), strokes, heart attacks, multiple sclerosis, Parkinson's disease and kidney failure. The exact conditions vary from one company to another, which is why it is important to compare offers with an advisor certified by the AMF.
Service available everywhere in Quebec
Our comparison service is available in every region: Montreal, Quebec City, Laval, Gatineau, Longueuil, Sherbrooke, Trois-Rivières, Saguenay, Lévis, Terrebonne, Brossard, Saint-Jean-sur-Richelieu, Drummondville, Rimouski and everywhere across the province. Our advisors certified by the Autorité des marchés financiers (AMF) compare offers from 20+ insurance companies in Quebec to find you the best protection.
Critical illness insurance rates in Quebec (2026)
| Profile | Coverage | Standard | 100% Premium Refund |
|---|---|---|---|
| Man, 30, non-smoker | $50,000 | ~$20/month | ~$35/month |
| Woman, 35, non-smoker | $100,000 | ~$35/month | ~$55/month |
| Man, 40, non-smoker | $100,000 | ~$50/month | ~$80/month |
* Indicative rates based on 2026 Quebec market averages. Actual rates vary with your health profile. With the premium refund option, you get 100% of your premiums back if no claim is made by the end of the term.
Protect yourself against the unexpected
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