A critical illness diagnosis changes everything. Beyond the medical and emotional impact, financial consequences can be severe: loss of income, medical bills, need for domestic help, or home adaptations. Our critical illness insurance is designed to provide immediate and practical support.
This product helps insured members cope with a difficult situation after being diagnosed with a critical illness:
- Direct and unconditional lump-sum payment: once a covered illness is medically confirmed, a predefined lump sum is paid directly to the insured. Unlike standard reimbursements, this benefit is not tied to medical bills and can be used freely — for example, to hire domestic help, adapt the home, cover transportation costs for treatment, or offset lost income.
- Death benefit: a lump sum is provided to help cover funeral expenses.
Illnesses generally covered:
Covered for both adults and children (under 18):
- Bone marrow transplant
- Cancer (all types, including solid organ cancers, lymphomas, and leukemia)
- Neurosurgery
- Severe epilepsy
- Remplacement ou réparation de valve cardiaque ( For children only when related to rheumatic fever)
Covered for adults only:
- Coronary artery angioplasty/stenting
- Coronary bypass surgery
- Living organ transplant
- Major vascular surgery (including aortic surgery)
Covered for children ( under 18) only :
- Artificial limbs needed after a limb loss due to an accident
- Kawasaki Syndrome
- Meningitis/encephalitis
Key features of the product include:
- Accessiblity : premiums per member are generally lower than standard health insurance.
- Flexibility : the product can be tailored to specific needs and budget constraints.
- Simplicity : deliberately reduced complexity for easy understanding and implementation.
- Worldwide coverage : largely independent of the employee’s country of residence.
👉 The perfect solution for expats, with coverage in the home country, host country, and abroad.
