Accidents can change everything in an instant—and while none of us like to think about worst-case scenarios, planning for them is an act of love. Accidental Death coverage is a simple, affordable way to add extra protection by providing a lump-sum benefit if you pass away due to an accident. That benefit can help your loved ones handle immediate costs like funeral expenses, bills, debt, and everyday living expenses—reducing sudden financial strain when they need support the most.

Combined Accident Hospitalization coverage provides cash benefits if you’re hospitalized due to a covered accident. It’s designed to help with the extra costs that can hit fast—like time off work, travel, parking, meals, childcare, and everyday household bills—so you can focus on recovery, not finances.

Combined Sickness Hospitalization coverage provides cash benefits if you’re hospitalized due to a covered sickness. It’s made to help with the extra costs that show up during a hospital stay—like missed work, travel, parking, meals, childcare, and everyday bills—so you can focus on getting better, not stressing about money.

Combined Accident Disability coverage provides cash benefits if a covered accident leaves you disabled and unable to work. It’s designed to help you keep up with everyday expenses—like rent/mortgage, utilities, groceries, and other bills—so an injury doesn’t turn into a financial crisis.

Combined Sickness Disability coverage provides cash benefits if a covered sickness leaves you disabled and unable to work. It helps replace income and cover everyday costs—like rent/mortgage, utilities, groceries, and other bills—so you can focus on recovery without falling behind financially.

Income Guard helps protect your paycheque if an illness or injury leaves you disabled and unable to work. It provides cash benefits to help cover monthly essentials like rent/mortgage, utilities, groceries, and other bills—so you can focus on recovery without falling behind financially.

Outpatient Essentials (Accident) provides cash benefits for covered accident-related treatment that doesn’t require an overnight hospital stay. It’s built to help with the “in-between” costs—like follow-up visits, tests, medical supplies, prescriptions, travel, and time away from work—so an injury doesn’t wreck your budget.

Outpatient Essentials (Sickness) provides cash benefits for covered sickness-related treatment that doesn’t require an overnight hospital stay. It helps with the everyday costs that can add up fast—like doctor visits, tests, prescriptions, medical supplies, travel, and time away from work—so you can focus on getting better, not stressing about money.

Combined Critical Illness coverage provides a lump-sum cash benefit if you’re diagnosed with a covered critical illness. That money can be used however you need—treatment costs, travel, time off work, household bills, or anything else—so you can focus on recovery instead of financial pressure.

Cancer Care Protector provides cash benefits if you’re diagnosed with covered cancer and through covered treatment and recovery milestones. It’s designed to help with the real costs that come with cancer—like travel, medications, time off work, childcare, and household bills—so you can focus on treatment, not finances.