Critical illness insurance
A serious diagnosis is never on the calendar. A lump-sum benefit helps you keep life running.
What a plan includes
A major diagnosis brings medical bills and everyday bills. Here is how this coverage helps with both.
Covered
- Sudden health eventsA benefit can be paid after a covered event such as a heart attack or stroke.
- Serious diagnosesConditions like cancer or organ failure are commonly listed as covered illnesses.
- Life beyond the hospitalUse the payment for rent, rides to treatment, lost income or childcare.
Not covered
- Everyday illnessColds, minor conditions and preventive visits fall outside this coverage.
- Routine careRegular checkups and maintenance medication are not part of the benefit.
- Earlier diagnosesConditions diagnosed before your start date are excluded.Every policy is different, so read the benefits summary before you choose.
Considering critical illness coverage?
A licensed partner agent can help you weigh it up.*
Critical illness coverage, in plain words
Frequently asked questions
Who should look at critical illness coverage?
Anyone who worries how they would pay their bills after a serious diagnosis, even with health insurance.
It is often chosen by people with children or other dependents, modest savings, a family history of serious illness, or a job that would be hard to step away from.
If you have strong savings or generous workplace benefits, you may decide you do not need it.
How is it different from my health plan?
Your health plan pays your care providers. A critical illness plan pays you.
Doctor visits, treatment and hospital stays run through your health plan. After a covered diagnosis, the critical illness plan sends you a cash benefit.
It works on top of health coverage, helping with the costs medical insurance never touches, like time away from work and household bills.
How is the benefit paid?
Most plans pay a single lump sum once a covered condition is diagnosed.
You decide how to spend it, whether on medical bills, everyday expenses or simply breathing room while you recover.
Every kind of coverage. One checkout.
Add critical illness protection next to your health, dental or vision plan in one place.
Health plans built around your year
Filter Marketplace plans by budget, doctors and prescriptions, and bring in a licensed partner agent whenever you want a second opinion.
- Narrow dozens of plans to the few that fit you.
- See your premium tax credit applied to every price.
- Compare deductibles and copays side by side.
