Critical illness insurance can be a lifelinein case of a health crisis

Just one major illness could leave you with high medical bills. But critical illness insurance can help ease the financial burden so you can focus on what’s most important, your health.

What it is & How it works

What is critical illness insurance?

Critical illness insurance is a supplemental health plan that provides benefits following the diagnosis of a qualifying major illness. It's designed for specific life-threatening and disabling conditions like a heart attack or stroke.

Because such conditions typically require hospitalizations, tests, and frequent appointments, the out-of-pocket medical expenses can be significantly high, even with major health insurance. Plus, if you’re unable to work, this can take an extra toll on your finances.

That’s where critical illness insurance comes in. It offers extra financial support that can help offset the high cost of treatment and even help you keep up with household expenses.

How does a critical illness policy work?

Critical illness insurance policies provide a maximum lifetime benefit in varying amounts. Policies pay a lump sum payment, up to the maximum benefit amount you choose, upon the first diagnosis of a covered illness. This is a cash benefit that’s paid directly to you, so you can use the funds for whatever you choose.

Another advantage of critical illness insurance is you can enroll in coverage for yourself or add dependents. Policies typically pay a percentage of the full benefit amount if a dependent is diagnosed with a covered illness.

Flexible plan options

You can choose a plan with the benefits and coverage amount you want to fit your healthcare needs and budget.

Benefits paid directly to you

Cash benefits for covered conditions are paid directly to you, which can help ease the financial stress of a major illness.

There’s no enrollment period

You can enroll any time of year and get coverage as soon as the next available effective date.

WHAT’S COVERED*

Critical illness insurance coverage

COVERED

Major illnesses (e.g. kidney failure, certain cancers, heart attack, stroke)
Major organ transplant
Coronary artery bypass
Permanent loss of function (blindness, hearing, paralysis, coma)
Certain disorders (e.g. ALS, multiple sclerosis, advanced Alzheimer’s)

NOT COVERED

Pre-existing conditions
Self-inflicted injuries
Illnesses that don’t meet the policy’s definition of critical
Critical illnesses diagnosed before the policy effective date
Illnesses covered under workers’ compensation coverage

* Coverage may vary by state and plan

Coverage you can count on

You can’t foresee all the things that can interrupt normal life for you and your loved ones. But we can help make it easier to manage extra costs with cash benefits for covered illnesses paid directly to you.

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(800) 314-5594