When serious illness strikes, your focus should be on recovery — not your bank account. Critical illness insurance gives you the financial flexibility to take care of yourself and your family when life is interrupted by a major diagnosis. Canopyra’s CI solutions provide a tax-free lump sum payout, helping you manage expenses, replace income, and relieve financial stress during difficult times.
Our policies are built around financial security, smart planning, and client-first guidance, so you can face health challenges with strength — and without added worry.
Critical illness insurance pays a one-time, tax-free benefit if you’re diagnosed with a covered condition, such as:
This coverage helps you cover expenses not paid by traditional health insurance — like mortgage payments, private treatment, home care, or time off work.
At Canopyra, we offer personalized insurance plans designed to complement your life insurance, disability coverage, and broader financial goals.
Our critical illness coverage is ideal for individuals who want:
At Canopyra, we make it simple to build a critical illness plan that fits your risk profile, budget, and recovery needs. We assess your lifestyle, medical history, existing coverage, and financial priorities to recommend a policy that truly protects you — not just on paper, but in real life.
Whether you’re concerned about short-term expenses or long-term care, we help you plan ahead with clarity and compassion.
Critical illness insurance works alongside other products — including life insurance, disability benefits, and living benefits — to create a comprehensive safety net. At Canopyra, we help you integrate all your coverage to future-proof your finances while building wealth.
This coverage can be particularly important for those without group health benefits, or those seeking additional support beyond provincial plans.
Is critical illness insurance the same as disability insurance?
No — critical illness pays a lump sum after diagnosis; disability insurance replaces income if you’re unable to work. Both can be included in your plan.
How can I use the payout?
However you need — pay for treatment, travel, living expenses, childcare, or anything else that supports your recovery.
Is this worth it if I already have life insurance?
Yes. Life insurance protects your loved ones after death. Critical illness protects you while you’re alive, when financial stress can affect recovery.
Critical illness insurance is one part of your long-term financial protection strategy. Explore related coverage options:
Let’s build a critical illness plan that helps you focus on what matters most — recovery, family, and peace of mind.
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