Individual Critical Illness Insurance

Many individuals have had a family member, friend, colleague or acquaintance who has experienced the physical, emotional and financial effects of a critical illness. What if it were you? How prepared are you to handle the effects of a critical illness? JN Life AIDE is designed to aid in filling the gaps in your health and disability insurance coverage to ensure that you can:
  1. Pay to access quality healthcare
  2. Provide income replacement for yourself and family
  3. Clear loans and/or make mortgage and car loan payments
  4. Fund your family’s education and household expenses
  5. Facilitate rehabilitation and more
  • JN Life AIDE pays to you, the Insured, the full coverage amount upon: a) The first diagnosis of a covered critical illness* b) The reoccurrence of a covered critical illness*
  • Payments made to you for a covered critical illness do not terminate your critical illness insurance or reduce your coverage.
  • Unemployment Waiver of Premium- premiums will be waived for up to two (2) months if you become unemployed.*
  • Ambulance Benefit- JN Life will reimburse up to J$15,000 paid for ambulance transportation to hospital or other treatment centres where a covered critical illness was diagnosed.
*conditions apply.


  1. Coverage Options:
  2. No medical examination required for onboarding.
  3. Insurance coverage up to age 80 years*.
  4. Eligibility ages: 18 to 60 years at time of application.
    Covered Critical Illness
  • Cancer
  • Heart Attack
  • Stroke
  • Kidney Failure
  • Major Organ Transplant
  • Coronary Artery Bypass Surgery
  • Coma
  • Paralysis
  • Major Burns
  • Partial Kidney Failure
  • Loss of Speech
  • Deafness