Coverage
Every plan pays cash directly to you. Here's what each one does, how it pays, and who it's for — so you can see what fits before we talk.
What I can help with
You don't need all of them. Most people need one or two — we'll work out which together. Tap any one to see how it works.
At a glance
| Coverage | Pays out | How you get paid | Best for |
|---|---|---|---|
| Hospital indemnity | Cash for each day you're admitted | A set amount per day | Anyone without sick pay |
| Critical illness | On a covered diagnosis | One lump sum | Households that rely on your income |
| Accident & sickness | Covered injuries and sickness | Set amounts per event | Physical work and active weekends |
| Cancer | On a covered cancer diagnosis | Cash benefit | Extra peace of mind for cancer |
| Accidental death | Death from a covered accident | Lump sum to your family | Partners and kids who rely on you |
| Disability | When you can't work | Monthly income | Longer recoveries |
Cash benefits, simply
A fall on the job site, a ski accident, a hospital stay, a diagnosis nobody plans for.
If it's covered by your plan, you send in your claim. I'll help if you get stuck.
Not to a hospital. Use it for rent, groceries, the car payment — your call.
Have a job? This is for you too
Workplace coverage generally looks after injuries on the job. A weekend hike, a hockey game or a trip across the border is usually on you. Accident coverage can pay cash to you when you're hurt off the clock — at home, on the trail, or travelling in Canada and the US.
Covers all activities, in Canada and the US. Benefit amounts depend on the plan you choose — I'll walk you through yours.
Family plans
One plan can cover you, your partner and your kids. The price is the same whether you have one child or five — adding more kids costs nothing extra.
Kids can be added up to age 17, and they stay covered until age 25.
The honest answer
A free call, at a time that suits you. Or send me a DM on Instagram at @insuredbymohit — I reply myself.