Accident & Sickness Insurance in Canada
IA / ACI 7 Coverage – 2026 Guide. Accidents and unexpected illnesses can happen to anyone. Secure short-term financial protection for employees, self-employed individuals, and business owners.
What Is A&S Insurance?
Unlike standard disability insurance, IA / ACI 7 plans focus on short-term accident and sickness protection. It ensures that medical or income-related costs are covered when you cannot work.
- Replace lost income due to accident/illness
- Cover short-term temporary disability periods
- Protection for unexpected work-stopping events
- Ideal for small businesses and contractors
- Short-term income replacement
- Hospitalization recovery support
- Flexible claim periods
- Reliable financial backup
Who Needs This Protection?
Small Business Staff
Employees without full extended health or disability coverage.
Self-Employed
Professionals seeking a financial safety net for short-term illness.
Contractors
Freelancers exposed to accident risks in their daily work.
High-Risk Jobs
Occupations where accidents are statistically more likely to occur.
Elite Benefits of IA Coverage
Peace of Mind
Reduces financial stress for both employees and employers during recovery.
Scalable Growth
Flexible plans that can grow alongside your small business or startup team.
Quick Claims
A straightforward claims process designed for efficiency and speed.
How It Works
Activation
Select the IA / ACI 7 plan that fits your needs.
The Event
An accident or sickness occurs, stopping work.
Submission
Submit claim documents for quick approval.
Support
Receive periodic income replacement payments.
Predictable Cost Control
Costs depend on age, occupation risk, and desired benefit periods. IA coverage remains stable for business budgeting.
| Coverage Type | Monthly Premium Range |
|---|---|
| Short-term A&S (IA / ACI 7) | $30 – $120 per employee |
Buying Strategies
- Combine with IFA for complete protection
- Review coverage limits periodically
- Apply while employees are healthy
- Align waiting periods with cash flow
Common Pitfalls
Safeguard Your Income & Team
Protect your productivity and financial stability. Our IA / ACI 7 specialists are ready to design your custom protection plan.