Insurance Options Small Business

Full disability insurance covers the risk of disability from both "illness and sickness" and from "accident and injury". Premiums for the "illness and sickness" portion are up to 80% of the total cost of disability insurance, while the "accident and injury" portion is approximately 20% of the cost. If you are not likely to use "illness and sickness" coverage, then why pay for it?

This can be separated to provide less comprehensive but lower cost coverage which meets the more practical needs of the self-employed who need to work, even if ill or partially injured. MediDirect® offers an "Accident and Injury Only" disability insurance which can be combined with Critical Illness Insurance to provide a lower cost option but which is not as comprehensive as a full disability insurance policy. Remember, full disability insurance covers illnesses and sickness that prevent you from working as well as accident and injury. Accident and Injury Only disability insurance provides coverage for physical bodily harm caused by a mishap or event which is not expected. It does not cover disease or sickness, an unhealthy condition of the body, an impairment of normal physiological function or infection.

Our Quote on Demand system allows you to obtain a quick estimate of the premium cost for the following:

  • Disability Insurance
  • Critical Illness Insurance
  • Catastrophic In Country Medical Insurance and Emergency Out of Province Travel Medical Insurance
  • Accidental Death & Dismemberment Insurance (AD&D).


The pricing and quotes provided on this system are not guaranteed by any insurer and may not be current with respect to recent rate or plan changes by insurers. The completion of this questionnaire does not guarantee quoted rates or coverage to be provided by any insurer until applications are submitted and approved by the appropriate parties.