By continuing to use our site, you consent to the processing of cookies, user data (location information, type and version of the OS, the type and version of the browser, the type of device and the resolution of its screen, the source of where the user came from, from which site or for what advertisement, language OS and Browser, which pages are opened and to which buttons the user presses, ip-address) for the purpose of site functioning, retargeting and statistical surveys and reviews. If you do not want your data to be processed, please leave the site.

The Voice of People With Breast Cancer

your path to accessing financial resources


Health Insurance and Benefits

Making a Claim 


Critical Illness Insurance

If you have access to a critical illness insurance policy or credit insurance policies on your loans/mortgages/credit cards, you can start the process of making a claim on each one AFTER your diagnosis is confirmed.  You do not have to wait for a treatment plan to be in place, but it is helpful if a specialist (surgeon, oncologist) has been assigned to you and has confirmed the diagnosis. 

The process for making a claim on a critical illness policy will be outlined in your insurance information booklet or by your employer.  Usually, the employer will have the claim form for you to fill out.  There will be a portion for your physician or the specialist to complete as well.  The insurer may want the physician or specialist to attach verification of the stage and type of disease through pathology or diagnostic reports.

Once the paperwork is submitted, the insurer will review the claim to ensure it meet the terms of the policy.  The insurer may check your medical history to see if there was an indication that you may have had treatment or signs of the disease prior to the policy.  Some critical illness policies are specific to the stage of cancer they cover, and the insurer may want more information on the extent of your cancer.   It can take several weeks for an insurer to review your claim for critical illness insurance.  Once approved, you will receive payment based on the terms of the policy, which is usually in a lump sum amount.

Credit or Mortgage Payment Insurance

If you have insurance on your mortgage payments, credit cards, car loan, etc., you can contact the lender(s) for instructions on how to apply to each one.   The lender will guide you to the appropriate claim documents.  The process for making a claim will be like the one for critical illness insurance (see above). It can take several weeks to process.  In the meantime, you might still be responsible for monthly payments – check with the lender. 

Once approved, the terms of payment will depend on the policy.  Usually it means payments will be continued for you by the insurer for a certain period.  For credit cards, it can mean anything from payment of the balance to a set minimum payment made each month.

Each insurer may request an update on your health status at certain periods to review whether the claim should be continued. 



Where metastatic drugs are available in Canada

Quick Find

Our Stories


See our calendar


We value your feedback

If yes, please provide the following information:

Glossary of Terms

Not sure of a term referenced in the FinancialNavigator?

Click here to find the definition.

Additional Information

I have information to help update this tool, who do I contact?

If you have additional information that would be helpful to include in this tool please email or call us at 1-800-685-8820.

Contacting CBCN

How can I connect with CBCN directly about specific questions?

Connect with us via email at or on the phone at 1-800-685-8820.