CRITICAL ILLNESS PLANS
Simple and Direct
Critical Illness Insurance pays a lump-sum benefit of diagnosis of a covered condition. Payment is sent directly to the insured to use any way they choose, not the provider(s).
WHAT CAN I USE MY BENEFIT FOR
When you are diagnosed with a critical condition, its not just your health insurance deductible you need to be concerned with. You can use your benefits to pay for anything you choose. Examples include:
Replacing lost income while you are off work
Keep up with ongoing living expenses
Paying health insurance deductibles and copayments
Hiring home health care or child care services
traveling to treatment facilites
and more!
WHAT TYPES OF CONDITIONS ARE COVERED?
Policies differ from carrier to carrier, however you can get coverage for any one or combination of the following:
Internal Cancer
Malignant Melanoma
Heart Attack
Stroke
Alzheimer's Disease
Major Organ Transplant
Blindness
Paralysis
Deafness
Kidney Failure
Coronary Artery Bypass Surgery
Coronary Angioplasty Surgery
*Some conditions may only pay a partial benefit
HOW MUCH BENEFIT DO I NEED?
Different clients have different insurance requirements. To determine the right amount for you will depend on your current health plan, the need for the cash benefit, and your budget. Some carriers will start as low as $5,000 and go up to $100,000. Where ever you are on the spectrum, if an illness would devastate your lifestyle and financial situation, critical illness plans are a hassel free solution that can easily fit in your budget
