Critical Illness Insurance Coverage

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Critical Illness Coverage

Avoid Deductible Charges for Cancer, Heart Attack, Stroke, Kidney Failure, and More

One of the risks in carrying a high-deductible plan is that you will get sick and need to come with several thousand dollars. A critical illness can not only cause you to incur medical bills, but you may also lose income or incur other expenses related to the experience. That is why many of our customers add a Critical Illness policy to their high-deductible HSA plan.

This plan works by automatically paying $10,000 to $100,000 (you choose the limit) if you are diagnosed with any of the conditions below.

You can then use this money however you choose, including for:

  • Medical insurance copayments and deductibles
  • Investment into Health Savings Account (HSA)
  • Out-of-network charges on PPO plans
  • Non-covered experimental treatments and surgeries
  • Cash for household bills, car payments, and mortgages
  • Lost income supplements

Covered Conditions

The conditions below are payable one time only. A 100% Death Benefit is payable if no other benefit listed below has been paid.

Conditions:

  • Cancer - 100% benefit
  • Heart Attack - 100% benefit
  • Stroke - 100% benefit
  • Coronary Bypass Surgery - 100% benefit
  • Kidney Failure - 100% benefit
  • Major Organ Transplant - 100% benefit
  • Coma - 100% benefit
  • Paralysis - 100% benefit
  • Blindness - 100% benefit
  • Terminal Illness - 75% benefit
  • Nursing Home Confinement - 75% benefit
  • Benign Brain Tumor - 25% benefit
  • Alzheimer’s Disease - 25% benefit
  • HIV Infection from Blood Transfusion - 25% benefit
  • Parkinson’s Disease - 25% benefit
  • Aorta Graft Surgery - 25% benefit
  • Heart Valve Replacement or Repair - 25% benefit
  • Coronary Angioplasty - 10% benefit

For a quote, please contact your personal advisor or give us a call at 866-749-2039.

 

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