Critical illness insurance pays a sum if you receive a diagnosis covered by the contract. Everything depends on what the contract defines as “covered”. Describe your situation; a person registered with the AMF explains it.
A diagnosis, not a bill
This type of contract is meant to pay a sum if a listed diagnosis is made. It is not a reimbursement of expenses; you decide how the sum is used.
Definitions matter more than the list
Two contracts can name the same illness and define it differently. The severity required, and any survival period, change what is actually covered.
Exclusions and waiting periods
Some situations are not covered, or only after a delay. They are written in the contract; the authorized person highlights them before any decision.
What group insurance does not replace
An employer plan may offer different protection, or none. The authorized person helps you see what is missing, without assuming.
Why no price or amount is displayed
The premium and the insurable amount depend on personal factors.
Frequently asked questions
Is it different from disability insurance?
Yes. Critical illness insurance is tied to a diagnosis; disability insurance is tied to being unable to work.
Is a health questionnaire required?
Often yes, at formal application, not to send a request here.
Is it free to ask?
Yes, without obligation.