Critical Illness Insurance

Provides freedom to focus on more important things

Critical Illness coverage provides financial assistance when a serious illness strikes. Benefits paid by Critical Illness Insurance policies can help you with deductibles, co-pays and other out-of-pocket costs when you are diagnosed with a covered critical illness, such as a heart attack, stroke or cancer (if chosen). Safeguard against the cost of serious illness with Critical Illness coverage.

Even if you have health insurance, there are still out-of-pocket expenses

Critical Illness Insurance can help when life throws the unexpected your way. If you’re diagnosed with a covered illness like a heart attack or you encounter certain catastrophic health events, your plan can pay a lump-sum benefit directly to you, to use however you need.

Every 34 seconds, someone in America will have a coronary event. If a serious medical event strikes, your medical insurance may help with the bills, but there are still out-of-pocket costs to contend with. In fact, 75% of insured people who had problems paying medical bills said their co-pays, deductibles or co-insurance cost more than they could afford. Critical Illness Insurance is a smart way to be prepared no matter what comes your way.

Sam had been saving for an early retirement. Unfortunately, a stroke forced him to take an extended leave from his job. Thanks to his critical illness insurance, Sam was able to afford the treatment his medical insurance didn’t cover without dipping into savings.
Receive a lump-sum benefit if you’re diagnosed with a covered serious illness

If you have a Critical Illness Insurance plan and you’re diagnosed with a covered illness, you can file a claim to begin the benefits process. Depending on the specifics of your plan, Critical Illness Insurance can provide a lump-sum benefit for diagnoses such as:

  • Coma
  • Stroke
  • Heart attack
  • Life threatening cancer
  • Major third-degree burns
  • Major human organ transplant
  • Coronary artery bypass surgery
  • End-stage renal (kidney) failure

Additional benefits may include:

  • Reoccurrence
  • Hospital confinement
  • Monthly income benefit
  • Ambulance, transportation, and lodging

While Jennifer had good medical insurance, she was still left with diagnostic tests and hospitalization fees to pay on her own. Her Critical Illness Insurance helped pay those bills so she could continue planning for her upcoming retirement.
In the months following the stroke, Sam needed outpatient rehabilitation and several prescription medications. He used part of his benefit to cover the ongoing co-pays.

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