Get help with the high costs of hospitalization – Fixed indemnity benefits may be paid per day, week, month, visit or event.
What is Critical Illness Insurance and is it Worth it?
Pay your mortgage, major medical premiums or deductible, or help cover other expenses that don’t stop, even when you experience a critical illness.
Most critical illness policies provide a lump sum benefit for covered illnesses depending on the severity of the condition and how long you’ve had your policy.
The following lists include common coverages and exclusions, however, you must read any policy you’re considering carefully since this is not an exhaustive list.
Coronary artery bypass
Loss of sight, speech or hearing
Major organ transplant
Self-inflicted injury or sickness
Recurrence of cancer (only the first diagnosis may be covered)
Illnesses that occur during the policy waiting period
Diagnoses related to pre-existing conditions
Procedures that are not medically necessary
Experimental or investigational procedures
Procedures not prescribed by a doctor
Injuries resulting from war or active duty military service
Injuries sustained at work, while under the influence of drugs or alcohol or while participating in a high-risk activity like bungee jumping
Combine a critical illness policy with other supplemental health insurance products for more coverage. Hospital indemnity insurance, dental, vision, and accident insurance can complement your supplemental critical illness insurance.
Call 888-855-6837 to speak with an agent to learn more.