Critical Illness Supplemental Health Insurance can protect you and your family.
Use cash for what you need in one lump-sum payment for covered expenses.
What Is Critical Illness Insurance?1
Critical illness insurance is supplemental insurance that you can purchase to help protect you and your family from the financial burden of a catastrophic illness or injury. It provides a lump-sum cash payment to help cover expenses and works as a complement to your current medical coverage.
How Does Critical Illness Insurance Work?
A critical illness plan provides a lump-sum cash payment upon the diagnosis of a covered critical illness or accidental injury. Covered conditions include certain types of cancer, heart attack, stroke, hospitalization, ICU stays, and other sudden or critical illnesses or injuries. This lump-sum benefit can be used to help cover expenses for covered illnesses and injuries including general living expenses like rent or mortgage, transportation, food, lodging, childcare, caregiving, and loss of wages or income. It also helps cover other out-of-pocket expenses, medical costs, insurance shortfalls like co-pays or deductibles, as well as additional health care needs.
Choose to focus on what matters with an affordable policy.
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An unexpected medical event can be physically and emotionally challenging without the additional worry over expenses. Even those with excellent health insurance could experience a significant financial burden when faced with unexpected illness or injury. Critical illness insurance is important because it can help protect you from using retirement funds or savings, or going into debt, due to medical expenses.
Consider the Facts: The Likelihood
Nearly 1-in-2 men and more than 1-in-3 women are expected to develop cancer at some point in their lifetime.2
There are over 1 million heart attacks each year in the U.S.3
39 million people receive medical attention for an injury each year.4
The following are among the top causes of death in the U.S.5