1. To fulfill a child's dreams…

2. To fulfill your child's dreams…
Your child's dreams are your dreams too.
You want to do everything that is within your
power to help your child's dreams come true.
Education – Travel – Projects
Family – Home – Hobbies
DESJARDINS INSURANCE

3. To fulfill your child's dreams…
The best way to help them realize their dreams
Is to plan today and ensure that tomorrow's challenges can be overcome.
DESJARDINS INSURANCE

4. To fulfill your child's dreams…
If your child is diagnosed with a critical illness:
Harmony New Generation will allow you to take time away from work and family obligations to be with your child.
DESJARDINS INSURANCE

5. Challenges can be overcome
While unlikely, it is possible that your child could die prematurely:
Harmony New Generation will allow you to take time away from work to devote yourself to your family's healing process and adjust to your loss.
DESJARDINS INSURANCE

6. If your child is diagnosed with a critical illness…
Due to advances in medical treatment, your child will survive.
During a serious illness, your child will need his/her parents by their side.
DESJARDINS INSURANCE

7. Coverage in case of critical illness
With Harmony New Generation, you will be there to help:
Take time away from work;
Seek the best diagnosis and medical treatment without delay;
Get the help you need;
Minimize the psychological and financial impact and ensure your child's wishes are realized.
DESJARDINS INSURANCE

8. Coverage in case of critical illness
Covers up to 31 illnesses/conditions including 6 childhood illnesses
Autism
Rett's syndrome
Cystic fibrosis
Type 1 diabetes mellitus
Cerebral palsy
Muscular dystrophy
DESJARDINS INSURANCE

9. Coverage in case of critical illness
With 25 illnesses/conditions covered forever…
Cancer
Major Organ Failure on Waiting List
Major Organ Transplant
Kidney Failure
Bacterial Meningitis
Severe Burns
Etc…
DESJARDINS INSURANCE

10. Coverage in case of critical illness
Covers serious complications caused by 4 infectious diseases:
West Nile virus
Lyme disease
E.Coli infection
Necrotizing fasciitis (flesh-eating disease)
Exclusive to Desjardins Insurance!
DESJARDINS INSURANCE

11. Coverage in case of critical illness
Prompt Recovery
Free assistance services including
Best Doctors:
To confirm the diagnosis;
To establish the best possible treatment plan;
To direct you to the best specialists and health centres in your area or abroad;
To take charge of the different steps related to your child's admission to a health care facility.
DESJARDINS INSURANCE

12. If your child dies prematurely…
With Harmony New Generation, you can:
Afford to take some time away from work to give your family what they need most:
Time with you!
DESJARDINS INSURANCE

13. If your child remains healthy…
With Harmony New Generation, you will have tax-free cash to help your child:
Pay for higher education
Purchase a first home
Start a new business
Relocate to a job
Fulfill their dreams…and your dreams too!
DESJARDINS INSURANCE

14. If you cancel your policy…
Duration
Percentage of the premiums refunded, tax -free
After 5 years
25%
After 10 years
50%
After 20 years
100%
DESJARDINS INSURANCE

15. Between $25,000 (minimum) and $250,000 (maximum)
Different Options
Insurance amount:
Between $25,000 (minimum) and $250,000 (maximum)
DESJARDINS INSURANCE

16. Number of critical illnesses/conditions covered:
Different option
Number of critical illnesses/conditions covered:
28 illnesses, including 3 child illnesses - Autism - Rett's Syndrome
- Cystic Fibrosis
31 illnesses, including 6 child illnesses - Autism - Rett Syndrome
- Cystic Fibrosis - Cerebral Palsy - Type 1 Diabetes Mellitus - Muscular Dystrophy
DESJARDINS INSURANCE

17. Why not consider adding some Life Insurance?
Different options
Premium Payment Options:
20-year payment
Lifetime payment
Why not consider adding some Life Insurance?
For additional information and all conditions, exclusions and restrictions, please refer to Harmony New Generation insurance contract.
DESJARDINS INSURANCE

18. Because your child's dreams …
In conclusion
Because your child's dreams …
are your dreams too!
DESJARDINS INSURANCE