{"id":21720,"date":"2025-01-17T09:54:53","date_gmt":"2025-01-17T14:54:53","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?p=21720"},"modified":"2025-12-30T13:21:42","modified_gmt":"2025-12-30T18:21:42","slug":"critical-illness-insurance-versus-disability-insurance-what-are-the-differences","status":"publish","type":"post","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences","title":{"rendered":"Critical Illness Insurance Versus Disability Insurance: What Are the Differences?"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Critical Illness Insurance Versus Disability Insurance: What Are the Differences?<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2025-01-17T09:54:53-05:00\">January 17, 2025<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">10 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"RBC Insurance\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">RBC Insurance<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/iStock-1421336742-1024x683-1.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A happy woman sitting on the couch with her husband\" style=\"object-fit:cover;\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/iStock-1421336742-1024x683-1.jpg 1024w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/iStock-1421336742-1024x683-1.jpg?resize=300,200 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/iStock-1421336742-1024x683-1.jpg?resize=768,512 768w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/iStock-1421336742-1024x683-1.jpg?resize=412,275 412w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Critical Illness Insurance Versus Disability Insurance: What Are the Differences? &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\" aria-label=\"Email\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\" aria-label=\"Copy URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner \" style=\"border-radius:0x\">\n<p>If you were suddenly faced with a serious injury or illness, would you be able to care for and support yourself and your family? That\u2019s the question we all need to answer when considering critical illness insurance and disability insurance.<\/p>\n\n\n\n<p><a><\/a>Having the right coverage can mean a world of difference. It could be the factor that tips the balance between financial stability and all-consuming worry during an already-stressful time.<\/p>\n\n\n\n<p><a><\/a>But what exactly are the differences between critical illness insurance and disability insurance? Is one better than the other, or are both necessary? This quick primer can help you understand the unique benefits of each type of policy and when one or both will best suit your needs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-takeaways\"><a><\/a>Key takeaways<\/h2>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Critical illness insurance provides a one-time lump-sum benefit if you\u2019re diagnosed with a serious health condition, such as life-threatening cancer, a heart attack, or a stroke.<\/li>\n\n\n\n<li>Disability insurance helps with monthly income replacement if you can\u2019t work for a period of time due to injury or illness.<\/li>\n\n\n\n<li>Though critical illness insurance and disability insurance may overlap with coverage in some cases, they tend to provide protection for different illnesses and scenarios. They also have distinct exclusions and waiting periods.<\/li>\n\n\n\n<li>Depending on your individual situation, one or both types of insurance might provide the best coverage for you and your family.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-understanding-critical-illness-insurance\"><a><\/a>Understanding critical illness insurance<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-is-it\"><a><\/a>What is it?<\/h3>\n\n\n\n<p>Imagine you\u2019re diagnosed with a serious illness, such as life-threatening cancer or experience a heart attack or a stroke. You may require specialized treatments, time off work, accommodations in your home, or help with self-care. These new needs may place a hefty financial burden on you and your family when you\u2019re trying to recover.<\/p>\n\n\n\n<p>While other health insurance policies may cover some of your medical expenses or help with income replacement, <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/what-is-critical-illness-insurance\/\" data-dig-id=\"LP-HealthInsurance-21720-dddba47a\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"critical illness insurance\" class=\"rbc-link-format\">critical illness insurance<\/a> directly pays out a one-time, tax-free lump sum. It\u2019s designed to alleviate the financial stress associated with severe illness. And you can use the benefit however you want, such as paying for medications or treatments not covered by your other insurance, continuing to contribute to your retirement savings while you\u2019re off work, upgrading your house or vehicle to suit your new needs, paying for childcare, or even taking a vacation to recharge. Critical illness insurance acts as a safety net and gives you flexibility during a challenging time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-types-of-illnesses-covered\"><a><\/a>Types of illnesses covered<\/h3>\n\n\n\n<p>The illnesses protected by your critical illness insurance will depend on the insurer and the plan you purchase. Typically, these conditions are commonly covered:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Life-threatening cancer<\/li>\n\n\n\n<li>Heart attack<\/li>\n\n\n\n<li>Stroke<\/li>\n\n\n\n<li>Kidney failure<\/li>\n\n\n\n<li>Major organ transplant<\/li>\n\n\n\n<li>Coronary artery bypass surgery<\/li>\n\n\n\n<li>Multiple sclerosis<\/li>\n<\/ul>\n\n\n\n<p>More comprehensive plans may also provide coverage for conditions such as dementia, including Alzheimer\u2019s disease, Parkinson\u2019s disease, blindness, deafness, and even severe burns, paralysis, and loss of limbs. Before purchasing a policy, make sure you understand which illnesses are covered by the plan and any exclusions or limitations (such as waiting periods or survival periods before you\u2019re eligible to claim your benefit).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-exclusions\"><a><\/a>Exclusions<\/h3>\n\n\n\n<p>Many plans will not pay out a lump sum or refund any premiums if you experience an illness, death, or other loss that results directly or indirectly from one of these situations:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Self-inflicted injury, attempted suicide, or suicide.<\/li>\n\n\n\n<li>Intentional use of any drug (not prescribed by a doctor), intoxicant, narcotic, or poisonous substance.<\/li>\n\n\n\n<li>Participation in a war or a hostile action, insurrection, or civil commotion.<\/li>\n\n\n\n<li>Attempt to commit or commission a crime, whether you\u2019re charged or not.<\/li>\n\n\n\n<li>Operation of any land, water, or air conveyance that\u2019s operated by any means other than your own muscle (think cars, motorboats, planes) while you\u2019re under the influence of any drug, intoxicant, narcotic, or poisonous substance, including alcohol. For alcohol, the limit begins when the concentration of alcohol in 100 millilitres of blood exceeds 80 milligrams.<\/li>\n<\/ul>\n\n\n\n<p>Speak with your insurer to confirm the details of your specific policy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-understanding-disability-insurance\"><a><\/a>Understanding disability insurance<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-is-it-0\"><a><\/a>What is it?<\/h3>\n\n\n\n<p>If an illness or injury keeps you from working, <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/\">disability insurance<\/a> will typically pay out a monthly benefit to replace a portion of your lost income (often around 60 per cent to 85 per cent). Whether you experience a short-term disability, such as an injury that requires months of leave, or a long-term disability that means you can\u2019t work for years, disability insurance acts like a consistent paycheque to help you cover your living expenses and medical bills.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-types-of-disabilities-covered\"><a><\/a>Types of disabilities covered<\/h3>\n\n\n\n<p>As with critical illness insurance, the types of illnesses and disabilities covered will depend on your insurer and the plan you choose. You may receive protection in the following instances.<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Total disability: <\/strong>When you\u2019re unable to perform the essential duties of your occupation due to an illness or injury.<\/li>\n\n\n\n<li><strong>Residual disability:<\/strong> When your illness or disability prevents you from performing <em>some <\/em>of your essential work duties, resulting in a 20 per cent or more loss in earnings. You will eventually recover.<\/li>\n\n\n\n<li><strong>Partial disability: <\/strong>When you can\u2019t perform <em>any<\/em> of the essential duties of your regular occupation and you experience a 20 per cent or more loss in earnings. You will eventually be able to go back to work.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-exclusions-0\"><a><\/a>Exclusions<\/h3>\n\n\n\n<p>Much like critical illness insurance, disability insurance will typically not cover any disability that results, whether directly or indirectly, from these situations:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>An act or accident of war.<\/li>\n\n\n\n<li>Normal pregnancy or childbirth (except complications).<\/li>\n\n\n\n<li>Any injury or illness that occurs before your policy comes into effect or while your policy is not in force.<\/li>\n<\/ul>\n\n\n\n<p>Some plans will also have these exclusions:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Any self-inflicted injury, whether or not it\u2019s intentional, that occurs while you\u2019re intoxicated.<\/li>\n\n\n\n<li>Your use of any drug, unless it\u2019s prescribed or directed by your physician.<\/li>\n\n\n\n<li>Any suicide attempt or other intentionally self-inflicted harm.<\/li>\n\n\n\n<li>Infections related to AIDS and HIV.<\/li>\n\n\n\n<li>Any injury that occurs while you are committing or attempting to commit a crime, even if you\u2019re not charged with that crime.<\/li>\n\n\n\n<li>Subjective conditions, such as fibromyalgia and chronic fatigue syndrome.<\/li>\n\n\n\n<li>Mental and nervous disorders, such as depression, anxiety, stress, and burnout.<\/li>\n<\/ul>\n\n\n\n<p>Schedule a chat with your insurer if you\u2019re not clear on the exclusions in your policy (or any policy you\u2019re considering buying).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-differences-between-critical-illness-insurance-and-disability-insurance\"><a><\/a>Key differences between critical illness insurance and disability insurance<\/h2>\n\n\n\n<p>Before you can decide whether to purchase critical illness insurance, disability insurance, or both, it\u2019s important to understand how each type of coverage works and the ways each can provide you with financial stability during a health crisis. This chart can help you understand the primary differences between critical illness insurance and disability insurance.<\/p>\n\n\n\n<table class=\"table-swipe wp-block-rbc-responsive-table-block\"><thead><tr><th scope=\"col\"><\/th><th scope=\"col\"><strong>Critical illness insurance<\/strong><\/th><th scope=\"col\"><strong>Disability insurance<\/strong>&nbsp;&nbsp;&nbsp;&nbsp; <\/th><\/tr><\/thead><tbody><tr><td><strong>Triggering event<\/strong><\/td><td>You can make a claim if you\u2019re diagnosed with one of the conditions or illnesses listed in your policy.<br>&nbsp;<br>Your ability (or inability) to work is not a factor.<\/td><td>You can make a claim for benefits if you cannot complete some or all of the tasks required for your job due to injury or illness.<br>&nbsp;<br>The focus is on the illness or injury hindering your ability to do your job, rather than the specific diagnosis.<\/td><\/tr><tr><td><strong>Waiting period<\/strong><\/td><td>You will often need to live beyond the survival period (a.k.a. a set amount of time beyond your diagnosis, usually 30 days) before you are eligible for benefits.<\/td><td>You will have to wait the elimination period (a set number of days after you receive your diagnosis) before you begin getting payments.<\/td><\/tr><tr><td><strong>Nature of benefits<\/strong><\/td><td>You\u2019ll receive a one-time lump sum, which, depending on your plan, can range from $10,000 to $3 million.<\/td><td>Designed to replace a portion of your lost income while you cannot work, this benefit is often paid out each month and lasts for as long as you remain disabled or until the end of your benefit period.<\/td><\/tr><tr><td><strong>Duration of benefits<\/strong><\/td><td>In most cases, your policy will end once you receive your one-time lump-sum payment. However, some insurance providers have riders that cover a second critical illness and payment.<\/td><td>You will receive ongoing payments for the duration of your disability, from a few months to many years, up to the limit defined in your policy. Some plans will pay for a disability that lasts until retirement age, while others have a benefit period of two, five, or 10 years.<\/td><\/tr><tr><td><strong>Use of payout<\/strong><\/td><td>You can use the lump-sum benefit however you want: to pay medical bills, upgrade your home, contribute to your RRSPs, try alternative treatments, or take a vacation to unwind.<\/td><td>These benefits are designed to cover living expenses while you cannot earn your regular income. While you can use the payments however you want, the amount you receive at one time is smaller and best for maintaining financial stability during a period of low or no income.<\/td><\/tr><tr><td><strong>Who can apply<\/strong><\/td><td>Anyone<\/td><td>Employed and self-employed people<\/td><\/tr><tr><td><strong>Age eligibility<\/strong><\/td><td>Coverage often ends between the ages of 65 and 75 years; although, some providers offer permanent insurance.<\/td><td>Coverage often ends between the ages of 55 and 69 years.<\/td><\/tr><tr><td><strong>Premiums<\/strong><\/td><td>Your premiums are based on the number of illnesses covered, the lump-sum payout amount you choose, your age, how long the coverage will be in place, and your overall health status.<\/td><td>Your premiums will depend on the disability types covered, your monthly benefit amount, how long you will be eligible to receive benefits, and your occupation.<\/td><\/tr><tr><td><strong>Taxability<\/strong><\/td><td>Tax-free<\/td><td>It\u2019s tax-free income if you paid for it, and it\u2019s taxable income if your employee paid for insurance for you.<\/td><\/tr><tr><td><\/td><td><\/td><td><\/td><\/tr><\/tbody><\/table>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-best-choose-between-critical-illness-insurance-and-disability-insurance\"><a><\/a>How to best choose between critical illness insurance and disability insurance<\/h2>\n\n\n\n<p>Whether disability insurance or critical illness insurance will be right for you will depend on several factors, such as your occupation, financial situation, health risks, and more.<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Financial needs and responsibilities:<\/strong> Take a look at your financial obligations, from mortgage payments to support of dependants. Critical illness insurance can help with large immediate expenses. Disability insurance is designed to provide ongoing income.<\/li>\n\n\n\n<li><strong>Health risks: <\/strong>Critical illnesses are common.Each year, around 247,000 Canadians will be diagnosed with cancer, and 108,000 will experience a stroke. Critical illness insurance could be an invaluable safety net if you\u2019re affected by one of these conditions one day. If you have a job that increases your risk of injury or certain illnesses, then disability insurance may be the option for you.<\/li>\n\n\n\n<li><strong>Employment situation: <\/strong>Anyone is eligible for critical illness insurance; whereas, you must be employed or self-employed to purchase disability insurance. If you work for a company or organization, make sure you\u2019re familiar with your employee benefits. For example, you may have comprehensive disability coverage, but no critical illness insurance. In that case, you might want to purchase your own critical illness policy.<\/li>\n\n\n\n<li><strong>Budget: <\/strong>In an ideal world, we\u2019d all have premium disability and critical illness insurance coverage. In the real world, these plans cost money. It\u2019s important to balance your coverage needs with the premiums that you can afford.<\/li>\n\n\n\n<li><strong>Dependants and family responsibilities:<\/strong> You may have a wide variety of people (children, aging parents, or family members with disabilities) and pets relying on your income. Critical illness insurance can provide flexibility with a larger payout if you\u2019re diagnosed with a serious condition, while disability insurance can help to cover your day-to-day expenses.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-it-better-to-combine-both-types-of-insurance\"><a><\/a>Is it better to combine both types of insurance?<\/h2>\n\n\n\n<p>Even though both are types of health insurance, critical illness insurance provides different benefits than disability insurance. Critical illness insurance is designed to immediately alleviate financial strain if you\u2019re diagnosed with a serious illness or condition. Disability insurance covers a broad range of illness and injuries that can affect your ability to work and helps with day-to-day expenses. You may want to combine both types of insurance if you\u2019re looking for well-rounded coverage that protects you in many circumstances. Speak with an insurance advisor to help you make the decision that best suits your lifestyle. They can help you balance your current and long-term needs, consider your risks and budget, and help you choose the right policies to protect you and your family in all scenarios.<\/p>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-disability-insurance\">RBC Disability Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-reg-font-size\">Help ensure your expenses are covered if you get sick or injured<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button has-custom-font-size aligncenter btn is-style-primary primary has-text-lg-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html\" rel=\"noreferrer noopener\" data-dig-id=\"LP-285-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/silver.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/\" data-dig-id=\"LP-273-18de2c2e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-10384-2de7ba0a\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Discover how critical illness insurance and disability insurance can benefit you and your family and learn when it\u2019s worth purchasing both policies.<\/p>\n","protected":false},"author":199,"featured_media":21721,"comment_status":"open","ping_status":"open","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[46],"tags":[],"article-type":[80],"ppma_author":[177],"class_list":["post-21720","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Critical Illness Insurance Versus Disability Insurance: What Are the Differences? | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Discover how critical illness insurance and disability insurance can benefit you and your family and learn when it\u2019s worth purchasing both policies.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Critical Illness Insurance Versus Disability Insurance: What Are the Differences? | RBC Insurance\" \/>\n<meta property=\"og:description\" content=\"Discover how critical illness insurance and disability insurance can benefit you and your family and learn when it\u2019s worth purchasing both policies.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Insurance\" \/>\n<meta property=\"article:author\" content=\"RBC Insurance\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-17T14:54:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-30T18:21:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/iStock-1421336742-1024x683-1.jpg?quality=80\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"aanyachugh\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"RBC Insurance\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/health-insurance\\\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/health-insurance\\\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\\\/\"},\"author\":{\"name\":\"aanyachugh\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#\\\/schema\\\/person\\\/09c1eb4801569a60fb8fdaaa65ebabc3\"},\"headline\":\"Critical Illness Insurance Versus Disability Insurance: What Are the Differences?\",\"datePublished\":\"2025-01-17T14:54:53+00:00\",\"dateModified\":\"2025-12-30T18:21:42+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/health-insurance\\\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\\\/\"},\"wordCount\":2018,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/health-insurance\\\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2024\\\/11\\\/iStock-1421336742-1024x683-1.jpg?quality=80\",\"articleSection\":[\"Health Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/health-insurance\\\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/health-insurance\\\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\\\/\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/health-insurance\\\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\\\/\",\"name\":\"Critical Illness Insurance Versus Disability Insurance: What Are the Differences? | RBC Insurance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/health-insurance\\\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/health-insurance\\\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2024\\\/11\\\/iStock-1421336742-1024x683-1.jpg?quality=80\",\"datePublished\":\"2025-01-17T14:54:53+00:00\",\"dateModified\":\"2025-12-30T18:21:42+00:00\",\"description\":\"Discover how critical illness insurance and disability insurance can benefit you and your family and learn when it\u2019s worth purchasing both policies.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/health-insurance\\\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/health-insurance\\\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/health-insurance\\\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\\\/#primaryimage\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2024\\\/11\\\/iStock-1421336742-1024x683-1.jpg?quality=80\",\"contentUrl\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2024\\\/11\\\/iStock-1421336742-1024x683-1.jpg?quality=80\",\"width\":1024,\"height\":683,\"caption\":\"A from above view of a loving Caucasian man hugging his smiling Latin-American girlfriend while they are enjoying spending their leisure time together. She is holding his hand.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/health-insurance\\\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Advice &amp; Learning\",\"item\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/article-type\\\/advice-learning\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Critical Illness Insurance Versus Disability Insurance: What Are the Differences?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#website\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/\",\"name\":\"RBC Insurance\",\"description\":\"Personal Insurance\",\"publisher\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#organization\",\"name\":\"RBC Insurance\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/rbc-logo-shield.svg?quality=80&w=1024\",\"contentUrl\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/rbc-logo-shield.svg?quality=80&w=1024\",\"width\":\"1024\",\"height\":\"1024\",\"caption\":\"RBC Insurance\"},\"image\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"description\":\"RBC Insurance offers personal insurance such as car, home, life, health, travel and creditor insurance, plus retirement investment solutions to Canadians.\",\"telephone\":\"1-800-769-2568\",\"legalName\":\"RBC Insurance Services Inc.\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"1001\",\"maxValue\":\"5000\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#\\\/schema\\\/person\\\/09c1eb4801569a60fb8fdaaa65ebabc3\",\"name\":\"aanyachugh\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/Avatar.webp?quality=80&w=128072e50ca1e20d0ba047ebdf078f7e2df\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/Avatar.webp?quality=80&w=128\",\"contentUrl\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/Avatar.webp?quality=80&w=128\",\"caption\":\"aanyachugh\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Critical Illness Insurance Versus Disability Insurance: What Are the Differences? | RBC Insurance","description":"Discover how critical illness insurance and disability insurance can benefit you and your family and learn when it\u2019s worth purchasing both policies.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/","og_locale":"en_US","og_type":"article","og_title":"Critical Illness Insurance Versus Disability Insurance: What Are the Differences? | RBC Insurance","og_description":"Discover how critical illness insurance and disability insurance can benefit you and your family and learn when it\u2019s worth purchasing both policies.","og_url":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/","og_site_name":"RBC Insurance","article_author":"RBC Insurance","article_published_time":"2025-01-17T14:54:53+00:00","article_modified_time":"2025-12-30T18:21:42+00:00","og_image":[{"width":1024,"height":683,"url":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/iStock-1421336742-1024x683-1.jpg?quality=80","type":"image\/jpeg"}],"author":"aanyachugh","twitter_card":"summary_large_image","twitter_misc":{"Written by":"RBC Insurance","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/#article","isPartOf":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/"},"author":{"name":"aanyachugh","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#\/schema\/person\/09c1eb4801569a60fb8fdaaa65ebabc3"},"headline":"Critical Illness Insurance Versus Disability Insurance: What Are the Differences?","datePublished":"2025-01-17T14:54:53+00:00","dateModified":"2025-12-30T18:21:42+00:00","mainEntityOfPage":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/"},"wordCount":2018,"commentCount":0,"publisher":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#organization"},"image":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/#primaryimage"},"thumbnailUrl":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/iStock-1421336742-1024x683-1.jpg?quality=80","articleSection":["Health Insurance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/","name":"Critical Illness Insurance Versus Disability Insurance: What Are the Differences? | RBC Insurance","isPartOf":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/#primaryimage"},"image":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/#primaryimage"},"thumbnailUrl":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/iStock-1421336742-1024x683-1.jpg?quality=80","datePublished":"2025-01-17T14:54:53+00:00","dateModified":"2025-12-30T18:21:42+00:00","description":"Discover how critical illness insurance and disability insurance can benefit you and your family and learn when it\u2019s worth purchasing both policies.","breadcrumb":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/#primaryimage","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/iStock-1421336742-1024x683-1.jpg?quality=80","contentUrl":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/iStock-1421336742-1024x683-1.jpg?quality=80","width":1024,"height":683,"caption":"A from above view of a loving Caucasian man hugging his smiling Latin-American girlfriend while they are enjoying spending their leisure time together. She is holding his hand."},{"@type":"BreadcrumbList","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/critical-illness-insurance-versus-disability-insurance-what-are-the-differences\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/silver.rbcinsurance.com\/en-ca\/"},{"@type":"ListItem","position":2,"name":"Advice &amp; Learning","item":"https:\/\/silver.rbcinsurance.com\/en-ca\/article-type\/advice-learning\/"},{"@type":"ListItem","position":3,"name":"Critical Illness Insurance Versus Disability Insurance: What Are the Differences?"}]},{"@type":"WebSite","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#website","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/","name":"RBC Insurance","description":"Personal Insurance","publisher":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/silver.rbcinsurance.com\/en-ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#organization","name":"RBC Insurance","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#\/schema\/logo\/image\/","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/rbc-logo-shield.svg?quality=80&w=1024","contentUrl":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/rbc-logo-shield.svg?quality=80&w=1024","width":"1024","height":"1024","caption":"RBC Insurance"},"image":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#\/schema\/logo\/image\/"},"description":"RBC Insurance offers personal insurance such as car, home, life, health, travel and creditor insurance, plus retirement investment solutions to Canadians.","telephone":"1-800-769-2568","legalName":"RBC Insurance Services Inc.","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"1001","maxValue":"5000"}},{"@type":"Person","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#\/schema\/person\/09c1eb4801569a60fb8fdaaa65ebabc3","name":"aanyachugh","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128072e50ca1e20d0ba047ebdf078f7e2df","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128","contentUrl":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128","caption":"aanyachugh"}}]}},"jetpack_featured_media_url":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/iStock-1421336742-1024x683-1.jpg?quality=80","jetpack_sharing_enabled":true,"authors":[{"term_id":177,"user_id":199,"is_guest":0,"slug":"aanyachugh","display_name":"aanyachugh","avatar_url":{"url":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128","url2x":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/posts\/21720","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/users\/199"}],"replies":[{"embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/comments?post=21720"}],"version-history":[{"count":17,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/posts\/21720\/revisions"}],"predecessor-version":[{"id":32933,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/posts\/21720\/revisions\/32933"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/media\/21721"}],"wp:attachment":[{"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/media?parent=21720"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/categories?post=21720"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/tags?post=21720"},{"taxonomy":"article-type","embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/article-type?post=21720"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/ppma_author?post=21720"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}