Critical Illness Insurance 重病保险
If you are diagnosed with a critical illness that is covered by your policy, you will receive a tax-free lump sum payment to help you cover the costs of the illness and maintain your standard of living. You can use the money as you see fit, without having to justify how you spend it!
重疾险是指被保人确诊罹患保险合同约定的重大疾病后，保险公司会将理赔金免税的赔付给被保人。理赔金可由被保人自由支配使用。
Life insured and family members are also available to receive the services from Best Doctors®, MediGuide®, or Health Service Navigator® to help you understand your medical condition and treatment options so you can make informed decisions about your healthcare.
被保人及其家人都可以享受例如Best Doctors®, MediGuide®, Health Service Navigator等在线专家咨询服务，使您可以更好的了解病情以及治疗方法。
All About Critical Illness
Unlike all other insurance products, which were created by insurance companies, Critical Illness Insurance was invented by Marius Barnard, who was a heart surgeon, in South Africa in 1983 along with the help of a South African insurance company Crusader Life.
不同于人寿保险，重疾保险最先是由南非的心脏外科医生Dr. Marius Barnard首先提出的，并在南非保险公司Crusader Life的帮助下在1983年推向大众。
Dr. Barnard recognized that his patients, although able to survive a heart disease, were unable to return to work in full capacity. The lingering effects of their illnesses, surgeries, medication, and recovery had an enormous impact on their ability to earn an income. There appeared to be an increasing need for a type of insurance that would pay a benefit to the owner if he suffered from a heart attack, in addition to the need for life insurance. After the creation of Critical Illness Insurance, people now had the option of transferring the financial risk associated with a Critical Illness to the insurance company.
Dr. Barnard医生最初意识到他的病人尽管在心脏疾病后生存了下来，但是他们却很难完全恢复到生病之间的状态了。因为手术，药物，康复，以及疾病本身对患者造成的影响严重的妨碍了患者的收入能力。在上述状况与日俱增的条件下，重疾保险的出现完美的弥补了保险上的空缺。在重疾保险推出之后，受保人将获有机会将这样的风险转嫁给保险公司。
The Critical Illness Insurance was landed in North America in 1997 through the US division of Canada Life. In Canada, the total premium of in force Critical Illness Insurance policies was $86 million 20 years ago. This number has skyrocketed to over $1 billion as of December 2017, and Critical Illness Insurance has evolved to cover more than 20 illnesses nowadays.
重疾保险最先于1997年由加拿大人寿美国分部（US division of Canada Life）带入美国。在20年前,加拿大重疾保险业务的保费仅有$8600万加币，而这一数字在2017年底已经发展达到了$10亿加币，并且今日的重疾保险已经含括了20种以上绝大部分的疾病种类。
Why do you need a Critical Illness
It was estimated that in 2020:统计估算在2020年：
115,800 Canadian men would be diagnosed with cancer and 44,100 men would die from cancer.
约有11.58万的加拿大男性被确诊患上癌症，并且约有4.41万人死于癌症
110,000 Canadian women would be diagnosed with cancer and 39,300 women would die from cancer.
约有11万的加拿大女性被确诊患上癌症，并且约有3.93万人死于癌症
On average, 617 Canadians would be diagnosed with cancer every day.
加拿大平均每天会有约617人被确诊患上癌症
On average, 228 Canadians would die from cancer every day.
加拿大平均每天会有约228人因癌症死亡
Lung, breast, colorectal and prostate cancer are the most commonly diagnosed types of cancer in Canada (excluding non-melanoma skin cancer).
肺癌，乳腺癌，结肠癌，前列腺癌是加拿大当前被确诊最多的癌症种类
These 4 cancers account for about half (48%) of all new cancer cases.
肺癌，乳腺癌，结肠癌，前列腺癌占新确诊癌症总数的48%
Prostate cancer accounts for one-fifth (20%) of all new cancer cases in men.
前列腺癌占男性新确诊癌症总数的20%
Lung cancer accounts for 14% of all new cases of cancer.
肺癌占新确诊癌症总数的14%
Breast cancer accounts for one-quarter (25%) of all new cancer cases in women
乳腺癌占女性新确诊癌症总数的25%
Colorectal cancer accounts for 12% of all new cancer cases.
结肠癌新确诊癌症总数的12%
以上数据信息源于Canada Cancer Society
Myth vs. Reality: Critical illness statistics in Canada
理想vs 现实：加拿大重疾保险统计
下列内容为左右两边每项对应
* Information quoted from Canada Life以下信息源于Canada Life
Myth理想
Cancer, heart attack and stroke won't happen to me 癌症，心脏病，中风不会发生在自己身上
If I get cancer, I probably won’t live. My family can live off of my life insurance 如果被确诊患上癌症，我也不会活很久，家人可以用人寿理赔活的很好。
If I get sick, my government health plan will pay for my medical expenses. 如果不幸生病，政府的医疗计划会付自己的医疗支出。
I’m unlikely to get sick because I live a healthy lifestyle 我的生活方式非常健康，不会生病的。
My personal or group disability insurance will cover all my income needs 我的个人或团体残障保险会赔付我的生活所需。
Reality现实
2 / 5 of Canadians are expected to develop cancer in our lifetime统计表明五分之二的加拿大人都有可能在一生中患上癌症
63% of Canadians are expected to survive for five years or more after a cancer diagnosis统计表明63%的加拿大癌症患者在确诊后会生存至少5年以上
The government will cover some of your medical expenses – but may not cover all of them政府的医疗计划只会支出其中一部分的医疗费用，而生活、看护、特殊药品等是不含括在政府医疗的
You may think your lifestyle is healthy, but statistics show Canadians aren’t as healthy as we think.统计表明加拿大人并不像我们想象中生活的那么健康。
Disability insurance is a great solution to cover your income, but most disability plans have a waiting period of one to three months and a maximum percent of coverage. Critical illness insurance will cover your income in those instances, and the benefit can be used as you please.尽管残障保险可以很大程度上减轻生活开支的压力，但是多数的残障保险都需要有至少1个月以上的等候期，并且赔付也会根据政府的补助以及其他福利而相应的减少。重疾险则可以一次性的将理赔支付于您，这笔钱您可以随意使用。
Medical Consultation
Coping financially with an illness is just part of the picture. Having access to emotional support and medical treatments can help your recovery.
因为疾病所造成的经济上的折磨只是一部分，在拥有心里上和医疗上的双重支持后，可以更好的帮助病人康复。
Best Doctors
Best Doctors is a global benefits provider that serves more than 40 million members in every major region of the world。
1989年由哈佛医学院的教授们发起成立。当您被医生诊断出患有某些棘手的疾病，而您希望得到更多的专家意见，Best Doctors 能够在全加拿大范围内寻找到针对您的情况，最有经验的专家医生会诊，为您提供诊断报告和治疗建议。
MediGuide currently has an active membership base, on 4 continents, with millions of Members in over 40 countries and jurisdictions
MediGuide美国成立，现为特拉华州的MediGuide 国际。 MediGuide的存在是为了向你提供你应得的医学答案，令你可自信地认识到自己被正确诊断，并被给予正确的治疗选择，因此可做出最合适的医疗保健选择。
Health Service Navigator is your trusted online and on-call resource for health information and health care navigation designed to help you navigate our Canadian health care system
HSN提供了宝贵的健康资源，可以帮助您浏览加拿大的医疗保健系统，了解您的健康状况，为您和您的家人找到更合适的医疗资源。
Sun Life
Sun Life Financial Inc. is a Canadian financial services company and one of the largest life insurance companies in the world; it is also one of the oldest, with a history spanning back to 1865. Sun Life has a presence in investment management with over CAD$1 trillion in assets under management operating in a number of countries. And over $125 billion in (AUA) Assets Under Administration as of 2020. Sun Life ranks number 273 on the Forbes Global 2000 list for 2019.
永明金融是加拿大金融服务公司，也是世界上最大的人寿保险公司之一；它的历史可以追溯到1865年。永明保险在投资管理领域拥有业务，管理的资产超过1万亿加元，业务遍及多个国家。截至2020年，管理的（AUA）资产超过1250亿美元。永明在2019年《福布斯》全球2000强榜单中排名第273位。
Canada Life
Canada Life Assurance Company, the first life insurance company in Canada, established on 21 August 1847. Canada Life is the largest insurance company in Canada based on assets under management.
加拿大人寿保险公司是加拿大第一家人寿保险公司，成立于1847年8月21日。根据所管理的资产，加拿大人寿保险公司是加拿大最大的保险公司。
Manulife
Manulife Financial Corporation is a Canadian multinational insurance company and financial services provider. It has CA$935 billion in assets under management and administration. Manulife serviced over 26 million customers worldwide.
宏利金融公司是加拿大的一家跨国保险公司和金融服务提供商。它的管理和行政资产达9350亿加元。宏利为全球超过2600万客户提供服务。
IA Insurance
iA Financial Group is one of the largest insurance and wealth management groups in Canada, with operations in the United States. Founded in 1892, it is an important Canadian public company and is listed on the Toronto Stock Exchange, and it has more than 4 million clients with over $96 billion in Assets Under Administration (AUA) as of 2020.
IA金融集团是一家成立于1892年的加拿大领先的保险和财富管理公司，并且公司的上市股票在多伦多交易所流通。目前IA有高达400万的客户和超过960亿的管理资产（AUA）
Equitable Life
Equitable Life of Canada is one of Canada’s largest mutual life insurance companies founded in 1920 in Waterloo, Ontario. Equitable Life reported premiums and deposits of $1.7 billion in 2020, contributing to $6.0 billion of assets under administration.
恒信保险Equitable Life成立于1920年的安大略省滑铁卢，是加拿大最大共有保险公司之一。恒信保险在2020年收取的保费存储金额高达$17亿加币，并且管理着$60亿加币资产。
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