Denial Of Critical Illness, Critical Illness Insurance Coverage Ontario

Denial Of Critical Illness, Critical Illness Insurance Coverage Ontario

Critical Illness Insurance

Critical illness insurance can be purchased through an insurance agent as a private policy or provided to you as part of your group benefits by your employer. It is meant to provide you and your family with a lump sum payment of benefits if you find yourself diagnosed with a critical illness, even if you make a full recovery.

The main difference between critical illness insurance and disability insurance is that benefits do not depend on your inability to work; but rather, on your being diagnosed with one of the listed illnesses, some of which are noted below:

Cancer, stroke, heart attack, heart surgery, kidney failure, organ transplantation, brain tumor, paralysis, coma, permanent disability, Alzheimer’s, Parkinson’s Diseases, and Multiple Sclerosis may qualify you. You should review the specific provisions carefully to see if you qualify.

Denial Of Critical Illness

Insurance companies often deny critical illness claims based on two factors: 1) allegations of misrepresentation at the time the policy was purchased; and 2) the illness diagnosed is not a listed illness or does not meet the specific criteria outlined in the policy.

If you are struggling with a critical illness and have received a denial on your claim for benefits, you shouldn’t have to fight alone.


Has your critical illness insurance claim been denied? Contact Share Lawyers and put our experience to work for you.

All initial consultations with our lawyers are free and there are no fees until we win your case.