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Critical Illness

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It's about peace of mind. It's about recovery.

Getting sick isn't something any of us like to think about. But it happens. If it does, thanks to improvements in healthy living and medical science, there is a good chance you'll recover and get on with your life.

But getting better costs money. Treating and coping with illness can mean significant and often unexpected costs.

hjinsuance.com

Critical Illness is designed to help you with the unexpected. It provides a cash benefit if you're diagnosed with one of the conditions as defined in the contract and you survive the waiting period. This can give you the financial freedom to focus on what really matters... getting better.

The money is yours to use any way you want. For example, you can:

  • Find the best health care available - anywhere
  • Hire a nurse or caregiver to help you at home
  • Pay off your mortgage
  • Replace lost income
  • Take a vacation or reduce your workload to help you recover.

Covered Conditions May Include:

hjinsuance.com

- Heart Attack
- Coronary Artery Disease requiring surgery
- Cancer
- Stroke
- Multiple Sclerosis
- Kidney Failure
- Coma
- Major Organ Transplant Recipient
- Paralysis
- Severe Burns
- Deafness
- Blindness
- Loss of Limbs
- Loss of Speech
- Occupational HIV Injury
- Motor Neuron Disease (ALS or Lou Gehrig's Disease)
- Parkinson's Disease
- Alzheimer's Disease

Getting Your Money Back

And what if you don't ever need Critical Illness? Options are available that give you your money back, including a Return of Premium on the Death Benefit or a Return of Premium Rider at expiry of the policy.

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