重大疾病保险
(Critical Illness)
“重病保险能在你最需要时为你提供财政帮助。你对它的需要，不只因为生命受威胁，而更在于你要继续活下去。” - Dr. Marius Barnard
重大疾病保险（Critical Illness）的理念并非由任何保险公司发明，而是由一位心脏手术专家 Dr. Marius Barnard 所提出。这位医生目睹许多病人在经历一场重病，例如癌症、中风或心脏病之后，虽然没有失去生命，但却失去毕生的积蓄而生活在贫困线下，因而触发了用保险的形式解决病人及其家庭财务困难的想法。
重病保险在当受保人诊断患有受保范围内的任何一种重大疾病时，提供一次性免税全额现金赔偿，有的保险公司还可以提供免费的全球最佳医生推荐。在合同期内，如果受保人是因其他疾病或意外而死亡，可退还已缴纳的全部保费。如果到合同期满时，没有领取重病保险赔偿金，可以退回全部保险费。
重病保险对我们的意义在于，赔偿金额由受保人自由支配，不单可以用来支付医药、特别治疗、护理及康复器械、家庭护理等直接开销，帮助病人康复，同时还可用于家庭的其他花费，如配偶无薪休假、如房屋按揭或个人借贷、房屋开支、汽车开支、子女的教育开支等等。由于重病保险计划保证现金一次性免税全额发放，减轻了家庭突如其来的经济负荷或债仅人的担心。重病保险的赔偿金额是在其它医疗保险计划之外的资助，是对政府健康医疗保险和团体保险的补充和完善。
重大疾病离我们有多远
我们都会认为："重大疾病不会发生在我身上！"。 可是，统计结果表明，在加拿大，我们患有重大疾病的可能性是相当大的：
心脏疾病（Heart Disease）
从 1950 年起，患心脏病和中风的比例已经下降了 50%，但在每 4 个加拿大人当中，仍会有 1 个人患心脏方面的疾病。每年有 75000 个加拿大人心脏病发作。
致命癌症（Life Threatening Cancer）
每 3 个加拿大人当中，会有 1 个人患致命癌症。 每年新增癌症病例达 125000 例。
中风（Stroke）
每年有 50000 个加拿大人患中风。在首次发作后，有 75% 的病人存活。
多发性硬化症（Multiple Sclerosis）
超过 50000 个加拿大人患有多发性硬化症。多发性硬化症在青年人当中是一种最常见的神经系统疾病。
患重大疾病后的生活成本
重大疾病保险的赔偿
1. 按年龄和患病类型：
2. CanadaLife的重大疾病保险的赔偿：
Critical Illness Insurance
By Empire Life
Medical breakthroughs, and advances in patient care mean that most people have a greater chance of surviving a critical illness. In most cases life, health, and disability insurance do not cover all the income lost recovering from a critical illness, and cannot protect RRSPs, retirement and other savings, or your business.
If you develop a critical illness you may be faced with unexpected expenses like:
- private home nursing;
- home renovations; or
- medical care not covered by your provincial health care plan.
As well, your income may be reduced as a result of having to work fewer hours or making a career change due to your illness. Struggling to meet these additional expenses combined with meeting your everyday financial obligations could create a stressful situation and may even affect your recovery.
Critical illness insurance is designed to protect you from these financial risks. The proceeds from a critical illness policy are paid in a lump sum, usually 30 days after you have been diagnosed with a covered illness.
Proceeds from a critical illness policy can be used as you wish. Unlike traditional Disability Insurance, when you make a claim under a critical illness policy, your benefit is not based on a reduction in your income, but is paid in full according to the terms of the insurance policy.
For example, you may wish to use the proceeds to:
- pay off outstanding liabilities such as a mortgage or line of credit;
- provide an emergency fund for home care; or
- supplement your income while you are unable to work.
What are the Risks?
We all like to think that "It won't happen to me!" However, the statistics show us that the chances of suffering and surviving a critical illness are real. Consider the following:
HEART DISEASE:
1 in 4 Canadians will contract some form of heart disease.
75,000 Canadians suffer heart attacks each year.
However, there has been a 50% decrease in the heart and stroke rate since 1950.
LIFE THREATENING CANCER:
1 in 3 Canadians will develop a life threatening cancer.
125,000 new cancer cases are diagnosed each year.
STROKE:
50,000 Canadians suffer a stroke each year.
75% survive the initial event.
MULTIPLE SCLEROSIS:
More than 50,000 Canadians have Multiple Sclerosis
MS is the most common neurological disease among young Canadians.
（注：本栏目内容只作为知识性介绍，不承担任何法律义务和责任。具体政策与内容以各个保险公司网站为准。请到 站点链接 访问获取最新详细信息。）
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