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Maladies graves vs invalidité : différences

Mode d’indemnisation, conditions déclenchantes et combinaison

Critical illness and disability insurance are often confused. They pay in different situations — many families need both.

1. How they pay

Disability insurance replaces a portion of income (usually 60-70%) while you cannot work. Critical illness pays a lump sum on diagnosis of a named condition, whether or not you keep working.

A disability claim needs a doctor to say you cannot work; a CI claim needs a diagnosis matching the policy definition.

2. Which one comes first

If you rely on employment income, group disability through your employer is often the first line. CI adds a lump sum for treatment, caregiving, or time off beyond disability benefits.

CI benefits can also pay when you are diagnosed but still working — funding private treatment or reducing debt while you recover.

3. Buying both

They are complementary: disability covers lost income over years; CI covers the immediate financial shock. Combined, they typically cost less than one would fear.

Price CI on our calculator and compare definitions across carriers — the cheapest CI policy is not always the one that pays when you need it.

Questions fréquentes

Do I need CI if I have disability insurance?

Disability replaces income but not the lump-sum needs — private treatment, caregiving, mortgage lump payments. Most advisors see them as different layers.

Can I claim both for the same illness?

Yes, if the event meets both triggers: a diagnosis (CI) and an inability to work (disability). The benefits are separate contracts.

What if I have group CI at work?

Group coverage ends when you leave the job and may have narrower definitions. Personal CI stays with you and is portable.

Recherches associées
critical illness vs disability insuranceci vs long term disability
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