Table of Contents:
- About This Insurance
- Benefits
- Basic Eligibility Requirements
- Coverage
- Premium Structure
- Consultation request and quote
About This Insurance
simplified accident and disability insurance plan designed for clients who want practical protection without medical exams, long underwriting, or high premiums. With premium starting from $7/month for each unit of coverages. You can choose one, multiple, or all five coverages depending on your needs. This plan is suitable for:
- Individuals on a tight budget
- Self-employed and contract workers
- Newcomers to Canada (with provincial health coverage)
- Clients declined or rated for traditional DI or CI
- Students and children in sports (fracture & hospital coverage)
- Seniors who remain active and may be prone to falls
- People with group benefits who need additional accident coverage
Important note: Please keep in mind that this insurance is very basic and foundational. If after reviewing the information on this page you feel that you need a more comprehensive plan with broader and more specialized coverage, you can consider Disability Insurance.
This is an accident-focused plan and complements—rather than replaces—full disability, life, or critical illness insurance.
Key Benefits
- No medical exam
- Simple eligibility
- Fast claim payments (once documents are received)
- Coverage from 15 days old to age 74 (DI: 18–74)
- Build-your-own coverage – choose only what you need
- Premiums starting at $7 per month
Basic Eligibility Requirements
- Age: 15 days to 74 years (Disability: 18–74 years)
- Resident of Canada for at least 12 months
- Covered under provincial health insurance (OHIP, MSP, AHCIP, etc.)
- Not currently disabled
- No permanent physical or intellectual disability that prevents eligibility
Coverage
There are five optional coverages you can choose from:
1. Disability Insurance – Accident Only
Provides a monthly income benefit if you are unable to work due to specific accidental injuries such as:
- Hospitalization
- Fracture
- Major burn
- Major laceration
- Certain types of dismemberment
Monthly Benefit Examples:
- 1 unit: $700/month
- 2 units: $1,400/month
(Maximum 7 months per accident)
Issue age: 18 to 74 Years old
2. Accidental Death & Dismemberment (AD&D)
Pays a lump sum for accidental death or certain types of loss such as: limbs, vision, hearing, or speech.
- Up to 5 units
- Each unit provides $70,000 for accidental death
- Maximum: $350,000
Ideal supplementary protection for clients exposed to higher physical risk.
3. Accidental Fracture Benefit
Provides a one-time cash payment if you break a bone due to an accident.
- 1 or 2 units (up to $14,000 for severe fractures)
- Benefit amount depends on the bone fractured
- Covers children, adults, seniors, and athletes
4. Extended Medical Care – Accident Only
Helps reimburse out-of-pocket medical costs following an accident:
- Ambulance
- Medical imaging
- Prescription drugs for injury
- Physiotherapy (up to limits)
- Rental medical equipment
- Emergency dental reconstruction
Up to $100,000 lifetime coverage (1 unit).
5. Hospital Benefit (Accident, or Accident & Illness)
Pays a daily amount when hospitalized.
Accident Only:
- From $7/unit per month
- About $70/day per unit
- Up to 700 days lifetime
Accident + Illness:
- Higher premium based on age
- Covers hospitalization due to illness (heart attack, stroke, pneumonia, etc.)
Convalescence Benefit (Bonus):
For each hospitalization episode which must occur in Canada or the United States, 7 extra days of benefit paid in addition to actual hospital days.
Example:
- 1 day hospitalized: 8 days paid
- 10 days hospitalized: 17 days paid
Premium Structure – How the ‘$7’ Works
Most coverages are sold in units:
- $7 per month: 1 unit
- $14 per month: 2 units
- $35 per month: 5 units (AD&D max)
Hospital (Accident + Illness) has age-based premiums.
This page is a general summary. All details—including definitions, exclusions, and conditions—are available in the official policy contract.
Consultation request and quote
To receive an accurate assessment and determine whether this insurance is suitable for you, please complete the form below.
