Milestone Insurance
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Phone: 416.410.4155
 Critical Illness
 Long Term Care
 My Dignity
As an independent insurance broker, we offer you choice. We will compare rates and terms from Canada's leading insurance companies, and help you choose a policy that best suits your needs.

Critical Illness Coverage

While disability insurance provides the necessary protection of one's income against all types of accident and sickness, and life insurance protects those left behind from financial burden, critical illness plans are designed to provide you with large amounts of additional monies to offset the cost of care for specific health conditions. Due at least in part to advances in medical knowledge and treatment, an increasing number of individuals survive and recover from many life threatening critical illness events, or could if the money was available to obtain the appropriate treatment.

With increasing government cutbacks on hospital care and treatment funding, the quick availability of substantial funds can also impact on the survival prospects of the individual. Those with funding can seek and obtain treatment (out of country or alternative drug therapy), private care (nursing or physiotherapy), and lifestyle improvements to enhance the quality of life (house modifications, homemaker, modified vehicle, etc). Those without funds will be impacted most as a critical illness will affect not only you, but your family as well through the financial burden it can bring.

There is no doubt that quality care and treatment is very expensive, with adequate funds often not available in large enough quantities when it's needed most. However, Critical Illness Programs are a cost effective solution. Several carriers now offer this unique program, and coverage is available for a number of conditions including (but not limited to):

  • Heart Attack
  • Stroke
  • Cancer
  • Alzheimer's
  • Coronary Artery Disease requiring surgery
  • Multiple Sclerosis
  • Parkinson's
  • Coma
  • Blindness
  • Major Organ Transplant Recipient
  • Major Organ Transplant Waiting List
  • Paralysis
  • Severe Burns
  • Aortic Surgery
  • Benign Brain Tumour
  • Deafness
  • Heart Valve Replacement
  • Kidney Failure
  • Loss of Limbs
  • Loss of Speech
  • Motor Neuron Disease (ALS or Lou Gehrig's Disease)
  • Occupational HIV Injury

Benefits are payable upon onset or diagnosis of the covered condition, and are available from $10,000 to $2,000,000 (paid as a lump sum). Benefits are payable 30 days following diagnosis (plan provisions will prevail), available to anyone between 18 and 65 who qualifies.

We would be pleased to meet with you to do a full review of your insurance. If you have any questions or would like to engage our services, please call or write us today.  


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