More clarity to protect what stays with you.
Four insurance solutions organized for people who want to understand coverage amounts, limits, exclusions and costs before making a decision. No rush: first we understand the need, then we explain the appropriate configuration.
Each protection option has its own page with coverage amounts, limits, price and the terms of the configuration shown.
Insurance is not a collection of extras. It is a choice of priorities.
At this stage, the decision often comes down to four questions: who depends on you financially, which health costs you want to organize, how you would absorb an unexpected accident, and how much of your home and property you want to protect.
That is why CoverHorizon presents each solution in clear policy language: what is included, the limits, where deductibles or co-payments apply, and the premium for the configuration shown. Comparison becomes more objective and the conversation starts with concrete details.
Four ways to protect what has become important.
The configurations below use specific prices. Each page explains the profile and coverage amounts reflected in that price.
Serene Life 45+
Life coverage designed to support family financial continuity if the insured person dies, subject to the policy terms.
Profile: age 50, non-smoker, C$100,000 coverage, monthly payment. Applicable charges and taxes are included. Changes in age, declared health, coverage amount or benefits may change the premium.
Balanced Health
Hospital care, visits, tests and diagnostics in a configuration with annual limits and co-payments shown separately.
Profile: age 50, one insured person. The premium includes policy administration and applicable charges; co-payments are not included and are paid when care is used.
24h Accident Cover
Personal accident protection for private or work-related situations, with a disability benefit and a defined treatment allowance.
Profile: insured person age 45–59, C$75,000 for permanent disability caused by accident and C$7,500 for treatment expenses. Applicable charges and taxes are included.
Secure Home
Multi-risk protection for a primary residence, contents and personal liability, organized around clear coverage amounts and deductibles.
Configuration: 1,020 sq. ft. apartment, C$200,000 building coverage, C$50,000 contents coverage and C$150,000 personal liability coverage. Applicable taxes and charges are included; location and property characteristics may affect the premium.
Where would you like to start?
Choose the concern that matters most to you today. This does not calculate a price or replace an assessment; it simply points you to the most useful page to start with.
Serene Life 45+
A simple structure for people who want to define a protection amount and plan financial continuity for those who depend on them.
View coverageFour steps, without skipping the important information.
Identify the need
We start with the need: family, health, accident or property. The need comes before the product.
Read coverage amounts and limits
We show what is covered, the amounts, deductibles, co-payments and relevant exclusions.
Confirm the profile
Age, risk information, property details and selected coverages may affect eligibility and the final premium.
Receive documentation
Before coverage is purchased, the applicable terms and information needed for an informed decision are provided.
A number is only useful when you know what it includes.
That is why every premium shown by CoverHorizon is tied to a specific configuration. We do not use “starting from” pricing to hide a minimal combination or mix the premium with usage-based costs.
For health coverage, co-payments are shown separately. For home coverage, coverage amounts and deductibles appear alongside the price. For life and accident protection, age, coverage amount and profile assumptions are shown with the monthly premium.
Questions worth clearing up first.
It is the premium for the specific configuration described beside the price and includes the stated charges and taxes. If the profile, coverage amount, property, selected coverages or payment method differ, the applicable premium may also differ.
No. Each insurance product has its own eligibility criteria and may require information about risk, age, health, occupation or the insured property. Coverage depends on the applicable product terms and underwriting process.
Yes. The four product pages show the configuration, coverage amounts, limits and key terms without requiring you to submit the form. Contact is used to discuss the solution in more detail and confirm your individual situation.
No. The Balanced Health configuration includes specific limits, network rules and co-payments. Amounts paid when certain medical services are used are shown separately from the monthly premium.
Start with the question you want to solve.
Send your details and select the area you are interested in. The purpose of the first contact is to understand your situation and explain the relevant terms before any decision.