Financial protection when you need it most. Receive a lump-sum cash benefit upon diagnosis of a covered critical illness to help pay for treatment, living expenses, and recovery costs.
Critical illness insurance is a supplemental insurance policy that provides a lump-sum cash payment if you are diagnosed with a covered critical illness. Unlike traditional health insurance that pays medical providers, the cash benefit is paid directly to you to use however you see fit.
This financial cushion can help cover medical bills, experimental treatments not covered by insurance, mortgage payments, everyday living expenses, or any other costs that arise during your illness and recovery.
Choose a coverage amount and pay affordable monthly premiums
If diagnosed with a covered critical illness, file a claim
Get a lump-sum cash benefit directly to you
Spend the money however you need without restrictions
Critical illness insurance typically covers the most serious medical conditions that have significant financial impact.
Death of heart muscle due to blocked coronary artery, requiring immediate treatment and prolonged recovery.
Average Cost: $100,000+
Recovery Time: 2-6 months
Interruption of blood flow to the brain, often causing lasting neurological damage and requiring extensive rehabilitation.
Average Cost: $70,000+
Recovery Time: 3-12 months
Malignant tumors requiring treatment such as chemotherapy, radiation, or surgery. Coverage varies by stage and type.
Average Cost: $150,000+
Treatment Duration: 6-24 months
End-stage renal disease requiring permanent dialysis or kidney transplant, with ongoing treatment costs.
Average Cost: $90,000+ annually
Ongoing Treatment Required
Receipt of a transplanted heart, lung, liver, pancreas, or bone marrow, requiring extensive surgery and recovery.
Average Cost: $400,000+
Recovery Time: 6-12 months
Open-heart surgery to bypass blocked coronary arteries, requiring significant recovery and lifestyle changes.
Average Cost: $123,000+
Recovery Time: 6-12 weeks
Complete loss of use of two or more limbs for at least six months, requiring home modifications and ongoing care.
Lifetime Cost: $500,000+
Permanent Disability
Progressive neurological conditions causing memory loss and cognitive decline, requiring long-term care.
Average Cost: $100,000+ annually
Long-Term Care Required
Chronic disease affecting the central nervous system, causing varying degrees of disability and requiring ongoing treatment.
Average Cost: $65,000+ annually
Chronic Condition Management
*Specific conditions and definitions vary by policy. Some conditions may have waiting periods or specific criteria that must be met.
Critical illness insurance provides financial security and peace of mind when you face serious health challenges.
Receive a one-time cash payment directly to you upon diagnosis of a covered condition. No restrictions on how you use the money.
Pay medical bills, cover living expenses, mortgage payments, experimental treatments, travel costs, or anything else you need during recovery.
Works alongside your existing health insurance to cover expenses that traditional health plans don't cover, like deductibles, copays, and lost income.
Choose any doctor, hospital, or treatment facility without worrying about in-network or out-of-network limitations.
Your coverage stays with you if you change jobs or retire. No need to reapply or worry about losing protection.
Protection is available at reasonable monthly premiums, especially when purchased while you're young and healthy.
Critical illness insurance is valuable for anyone who wants additional financial protection against serious health conditions.
Most people choose coverage between $25,000 and $100,000. Consider your savings, deductibles, mortgage, and how long you could be out of work.
Purchase while you're young and healthy for the best rates and easiest qualification. Premiums increase with age, and pre-existing conditions may limit coverage.
Yes, you can purchase critical illness insurance from multiple insurers and collect benefits from all policies if you're diagnosed with a covered condition.
Most policies have a 30-90 day waiting period for illnesses (no waiting period for accidents). Cancer may have a longer waiting period of 90 days.
Don't wait for a health crisis to wish you had critical illness insurance. Get a free quote today and ensure your family is financially protected.