Critical Illness Insurance
Helping to build a financial safety net may cost less than you think.
Financial Support to Get Well Soon
Getting sick can take a toll financially and emotionally. Medical insurance may not cover co-pays, deductibles, and treatments for illnesses, such as a stroke or a heart attack. Critical illness insurance pays a lump sum payment directly to you—not to healthcare providers. Use the funds for medical bills and living expenses. Just think: A monthly contribution from your paycheck can help put money in your pocket after a verified illness, so you can focus on getting well soon.
Guaranteed family coverage1
Easy enrollment for you, your spouse or partner, and kids, plus hassle-free claims
Lump sum payment
Paid all at once directly to you to spend on anything you want, such as transport to the doctor or childcare expenses
Automatic payments
Deductions come out your paycheck, which means you don’t have think about it
Portable benefits2
Take your coverage with you, if you ever leave your employer
FAQs
Can critical illness insurance be used for out-of-pocket costs?
Yes, you can use your benefit payment as you see fit. Use it to help cover your household bills, medical insurance deductibles, copayments.
Are benefits paid directly to me or to my healthcare provider?
Payments will be paid directly to you, not to the doctors, not to the hospitals, or nor to the other healthcare providers. You will receive a check, payable to you.
I have a medical plan at work. Why would I need coverage for critical illnesses?
Critical illnesses can happen when you least expect them — and they can be costly. Even quality medical plans can leave you with extra expenses to pay. Costs like plan deductibles, co-pays for doctor visits, and extra costs for out-of-network care can add up fast. Having the extra financial support you may need when the time comes may mean less worry for you and your family.
Can I enroll in this insurance without having to take a medical exam?
Yes. If your employer offers critical illness insurance, your acceptance is guaranteed, regardless of your health. You just need to be actively employed for your coverage to be effective. There are no medical exams to take and no health questions to answer.
Is there a waiting period before my coverage begins?
No. Your critical illness insurance will be effective on the date of your coverage as long as you are actively employed. There are no waiting periods to satisfy.2
Is the claims process simple?
Yes. Within 3 days of receipt, we’ll send a Claims Acknowledgment Letter. Also, you can choose to receive payments the way you want — electronic funds transfer or check.
Choose the Right Benefits
Answer a few quick questions, and we’ll provide recommendations for benefits that support your lifestyle and goals.
Featured Article: How Is Critical Illness Insurance Different from Medical Insurance and Disability Insurance?
Finally, the clarity you need about three very different insurance products.
Featured Video
Critical illness insurance might seem complex, until you have someone explain it to you in simple terms. See for yourself.
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