Critical Illness Insurance

No more financial worries during your recovery!

One less worry! During your convalescence, here's an insurance that protects you from A to Z.

Some disabilities are due to serious illnesses, unexpected by their very nature and often long to overcome. But did you know that there’s a special protection to help you cope? Our critical illness insurance provides for the payment of a lump-sum benefit which, in the event of a setback, will provide you with valuable financial assistance to cover the costs associated with your illness. Finally, some peace of mind so that you can concentrate on what matters most: your recovery!

Diseases covered

The illnesses covered by insurance contracts can vary between 3 and 30 illnesses depending on the insurer. However, three of them represent more than 80% of the claims: stroke, heart attack and cancer. For the list of covered illnesses, talk to one of our advisors!

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Q&A: How this coverage works

How to determine the amount of coverage

Recommended coverage will need to be assessed based on your circumstances, with annual salary generally serving as the unit of measure. Sometimes the insured will choose coverage according to the amount of premium they wish to pay.

Application process

Be aware that this coverage is granted after completion of a comprehensive medical questionnaire where family history has a significant impact on the financial parameters and contract exclusions.

Shared premium for serious illnesses

If you are incorporated, your company can subscribe to a critical illness insurance policy for you. You then become the owner, payer and beneficiary in the event of critical illness benefit payments. It is an attractive tool to diversify your fixed income.

Did you know that...

Illnesses included in insurance contracts can vary between 3 and 30 illnesses depending on the insurer. However, three of them account for more than 80% of claims, i.e. stroke, heart attack and cancer.

Calculate your needs

Use our handy tool to calculate the amount of critical illness insurance you need.

SOGEMEC Calculator


Espace client Forms & documentation

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"Enjoying a strong partnership since 2004, the FMEQ is pleased to be associated with Sogemec Assurances. Sogemec Assurances is more than professionals who provide insurance products, it is a partner in financial education allowing you to establish solid foundations for your future practice. While we learn to take care of others, they are there to take care of us."

Fédération médicale étudiante du Québec

St-Jean-Baptiste holiday
For the St-Jean-Baptiste holiday, we inform you that our offices will be closed on Monday, June 24, 2024.