The Undeniable Truth About A Critical Illness Policy

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The Undeniable Truth About A Critical Illness
Policy
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• Critical illness insurance generally provides a
  lump sum payment as specified in the policy if
  you are diagnosed with an illness set out in the
  policy. Share Lawyers, Ontarios leading
  disability lawyer firm, have shared a few common
  limitations and exclusions which you need to know
  before signing your critical illness policy
• No benefits will be paid for any form of cancer
  within the first 90 days. This 90 day waiting
  period starts on the date you are approved for
  coverage.

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• No benefits will be paid on, if the insured
  individual is charged on a criminal offence such
  as intentional self-inflicted injuries, driving
  while intoxicated, consumption of drugs, alcohol
  and other toxic substances or due to acts of war.
• Benefits are not paid for certain types of skin
  cancer, T1A and T1B prostate cancer, cancer in
  situ, or tumours in the presence of HIVa

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• No benefits will be paid unless the person
  survives for 30 days following the first
  diagnosis of the critical illness or any such
  prolonged period as specified in the policy.
• Stroke caused due to external trauma are
  generally not covered

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