Critical Illness Insurance
Get a lump-sum cash payment upon diagnosis of cancer, heart attack, stroke, or other covered critical illnesses. Use the money for medical bills, lost income, or any other expenses.
Why Critical Illness Insurance?
A critical illness diagnosis can devastate your finances. Even with health insurance, you may face deductibles, co-pays, travel expenses, lost income, and bills that keep piling up.
Lump-Sum Cash Payment
Receive a one-time cash payment upon diagnosis of a covered critical illness. Use the money however you need.
Major Illness Coverage
Protection for cancer, heart attack, stroke, kidney failure, major organ transplant, and more.
No Network Restrictions
Seek treatment from any doctor or hospital. Your coverage travels with you anywhere in the U.S.
Family Protection
Affordable coverage options for individuals and families to protect your loved ones.
What Critical Illnesses Are Covered?
Receive a lump-sum cash benefit upon diagnosis of any of these covered critical illnesses:
Cancer
Coverage for internal cancers including breast, lung, colon, prostate, and more.
Heart Attack
Lump-sum benefit if you suffer a myocardial infarction (heart attack).
Stroke
Coverage for cerebrovascular accidents causing neurological damage.
Major Organ Failure
Benefits for failure of heart, lungs, liver, pancreas, or both kidneys.
Kidney Failure
Coverage for end-stage renal failure requiring regular dialysis.
Paralysis
Benefits for complete loss of use of two or more limbs.
Major Organ Transplant
Coverage when you receive a heart, lung, liver, pancreas, or kidney transplant.
Coma
Benefits if you fall into a coma lasting more than a specified period.
Blindness
Coverage for total and permanent loss of sight in both eyes.
How It Works
You're Diagnosed
You receive a diagnosis of a covered critical illness from your doctor.
File a Claim
Submit your claim with required medical documentation to the insurance carrier.
Receive Cash
Get paid directly - use the lump-sum benefit however you need.
Real Life Example
John was diagnosed with cancer at age 52. His health insurance covered most of the medical bills, but he still faced $15,000 in out-of-pocket costs. He also had to take 6 months off work for treatment, losing $30,000 in income.
Fortunately, John had Critical Illness Insurance with a $50,000 benefit. He filed a claim and received the full $50,000 in one lump sum. He used the money to:
- Pay his $15,000 in medical deductibles and co-pays
- Replace his lost income during treatment
- Cover his mortgage and other bills
- Pay for experimental treatments not covered by health insurance
Without Critical Illness Insurance, John would have faced financial ruin. Instead, he could focus on beating cancer without worrying about money.
The Numbers Don't Lie
40%
Approximately 40% of Americans will be diagnosed with cancer in their lifetime
805K
About 805,000 Americans have a heart attack each year
795K
Someone in the U.S. has a stroke every 40 seconds - 795,000 per year