Compare Life/Long Term Care Hybrid to Standard LTC

This life insurance and long term care hybrid product (Tangible insurance plan) from Ontario Blue Cross offers extremely affordable Long Term Care (LTC) coverage. An especially important feature of this insurance plan is that the life insurance only converts to Long Term Care if you need it!

Affordable Long Term Care Insurance!
(Ontario and Quebec)

The following is a comparison between traditional long term care plans and the Ontario Blue Cross™ Life-LTC hybrid plan:

Topic Traditional LTC Life-LTC Hybrid
Cost of premiums: Traditional LTC coverage is very expensive. Premiums are inexpensive, since the plan only converts to LTC if you need it!
Are premiums fixed? No . They can and do rise often. Yes. They are levelled, and guaranteed by Ontario Blue Cross!
Does home care (as opposed to facility care) cost extra? Yes. To get home care coverage is a substantial, additional expense. Yes, home care is an optional benefit that does raise the costs of premiums slightly.

- Overview of Life-LTC Hybrid | How the Hybrid Works -

™ The Ontario Blue Cross symbol and name are trademarks of the Canadian Association of Blue Cross Plans, an association of independent Blue Cross plans, and are licensed to the Canassurance Hospital Service Association, carrying on Business as Ontario Blue Cross.
  


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