Critical illness
insurance.

Depending on the chosen product, 4 to 36 illnesses can be covered. The most important include cancer (all malignant forms), myocardial infarction, stroke, major organ transplant, multiple sclerosis and Parkinson's disease. Alexandre explains the specific exclusions.

Most policies require you to survive 30 days after the diagnosis to be eligible for the benefit. This period is meant to distinguish confirmed diagnoses from cases that aren't survivable in the short term. Alexandre guides you on exceptions and products with no survival period for certain illnesses.

Yes. Unlike a disability income, the capital is paid in one lump sum with no restriction. You can use it for complementary care, to pay off your mortgage, replace your income, fund a recovery trip or any other expense.

Some products offer an option to recover the premiums paid (in whole or in part) if you never claimed, at a defined age or on death. This option raises the monthly premium but turns the policy into a net-zero-cost instrument if you stay healthy.

Rarely, and if so, very limited. Most group plans don't offer critical illness protection, or cover only a few conditions with a very low capital. An individual policy advantageously complements or replaces this coverage.

Some illnesses like cancer have a 90-day waiting period from policy issuance. Others, like heart attack or stroke, are generally covered from issuance. Alexandre explains the specific waiting periods before any signing.

It depends on the insurer and the illness. Some products permanently exclude an illness already claimed, others allow new coverage after a recurrence-free period. Alexandre checks these clauses before choosing your product.

No. Once the policy is issued, the premium stays fixed for the chosen term, regardless of your age or future health. That's why signing up early pays off.