Critical Illness Financial Strength When You Need It Most

Cash When a Health Crisis Hits

A cancer diagnosis, heart attack, or stroke changes everything. While you focus on recovery, critical illness insurance provides a lump-sum cash payment — typically $10,000 to $50,000+ — that you can use for anything.

Covered Conditions

• Cancer: Most invasive cancers are covered, with some plans offering higher payouts for specific types
• Heart Attack: Coverage for myocardial infarction (heart attack) with documented medical evidence
• Stroke: Coverage for cerebrovascular accident (stroke) with neurological deficit lasting 24+ hours
• Additional conditions may include: coronary artery bypass, kidney failure, major organ transplant, paralysis, and more

How Critical Illness Insurance Works

• Choose your benefit amount: Pick a lump-sum amount that fits your needs, typically $10,000 to $100,000
• One-time payment: Upon first diagnosis of a covered condition, you receive the full benefit in cash
• Use it for anything: Treatment costs, travel to specialists, lost wages, home modifications, or everyday bills
• No network restrictions: Choose any doctor, hospital, or treatment center
• Coverage for all ages: Available for adults of all ages, with rates based on age and health

Why You Need Critical Illness Insurance

• Health insurance has gaps: Deductibles, copays, and out-of-network costs add up fast
• Loss of income: Recovery can take months. Critical illness cash replaces lost wages
• Travel and lodging: Specialized treatment may require traveling to another city
• Experimental treatments: Some cutting-edge treatments aren't covered by health insurance
• Peace of mind: One less financial worry during a difficult time

Frequently Asked Questions