Remember that a big chunk of the cost in canada (or the UK) is for geriatric care, mental illness, addicts etc - people who need long term 24x7 care. Things wh

Remember that a big chunk of the cost in canada (or the UK) is for geriatric care, mental illness, addicts etc - people who need long term 24x7 care. Things which are really social services. The cost of actual medical care for a 20-50 something is a fraction of that if you were buying insurance purely for your likely illnesses. If you are comparing what a critical illness cost/month would be for a healthy young adult you could half this figure