Critical Illness


Benefit from a tax-free lump sum payment if you survive for at least 30 days following the date of diagnosis of an insured critical illness or surgical procedure.

We often prefer to think that critical illness happens only to other people until our own lives are turned upside down by such a diagnosis.

Give yourself the means to maintain a normal life without having to worry about the financial impacts of a critical illness.

Second Chance

Give yourself the means to pay the added expenses resulting from a critical illness.

Suffering a heart attck or a stroke, or being diagnosed with cancer, Alzheimer’s disease or multiple sclerosis, for example, can result in major costs. Opt for La Capitale’s Second Chance so you do not need to worry about the financial consequences that come along with a critical illness.

Simplified Second Chance

Covers added expenses that come along with a critical along with a critical illness

Being diagnosed with cancer, suffering from a heart attack or a stroke can result in major costs. opt for La Capitale’s Simplifies Second Chance so you do not need to worry about the financial consequences that come along with a critical illness.

A good treatment option for Your Finances

With Critical Illness Insurance, you may receive an amount to pay for additional expenses associated with a critical illness such as:
  • Obtaining home care or help with domestic chores or childcare
  • Making up for loss of salary in the event of long-term disability or the inability to continue making pension plan contributions
  • Taking advantage of the best available treatments
  • Avoiding having to depend on help from your children or family
  • Having work done to adapt your home or purchasing adaptive equipment
  • Maintaining your RRSPs
  • Continuing payment of your debts (mortgage, loan, credit card balance)
One-time payment that can vary from $10,000 to $2,000,000 according to the choice of coverage

25 Covered Illnesses or Surgeries


  1. Stroke 
  2. Aortic surgery
  3. Coronary surgery
  4. Heart attack (myocardial infarction)
  5. Heart valve replacement

Cancer and Tumors

  1. Life-threatening cancer
  2. Benign brain tumor

Neurological Disorders

  1. Major organ transplant
  2. Major organ failure on waiting list
  3. Kidney failure
  4. Coma

Transplants and Impairments

  1. Aplastic anemia
  2. Alzheimer’s disease
  3. Motor neuron disease
  4. Parkinson’s disease
  5. Paralysis
  6. Multiple sclerosis
  7. Bacterial meningitis


  1. Severe burns
  2. Blindness
  3. Accidental Occupatimal HIV infection
  4. Loss of speech
  5. Loss of limbs
  6. Deafness
  7. Loss of autonomy

6 Covered Illnesses or Surgeries


  1. Stroke 
  2. Coronary artery bypass surgery
  3. Heart attack (myocardial infarction)

Cancer and tumor

  1. Life-threatening cancer


  1. Coma
  2. Paralysis


Good value for money. Some Of the best value premiums on the market for this type Of product.
Benefits paid as a tax-free lump-sum amount instead of a reimbursement for invoices incurred. You are free to do what you like with this amount and don’t have to justify your expenses to the insurer.

If you die before this coverage expires. All of the premiums paid will be reimbursed to your beneficiary if the insured amount has not already been paid out for a covered illness or surgery.

Choose the Health Option for a reimbursement of premiums during your lifetime, after the 15th anniversary of your policy.

FREE access to Best Doctors’, an assistance service that offers reassuring support.

Return of Premium

With La Capitale’s Return of Premium (ROP) Rider, 100% of all the money you pay for all covered plans beginning now, will be returned to you at maturity, either as claim payments or in cash. La Capitale’s ROP also provides a Partlal Benefit and an Accldental Death Benefit to help you and your loved ones plan a more secure financial future.

Full Benifit


Paid to you at maturity, in one lump sum, 100% of the total of all premiums paid, less any claims. Maturity is reached at age 65 or after 20 years, whichever is later.

Contact Us

403-7045 Edward blvd, Mississauga L5S 1X2

403-7045 Edward blvd, Mississauga L5S 1X2


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