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Critical Illness

Serious Help for Serious Illnesses

Direct Support, When They Need It

Even with health insurance, employees can face unexpected costs during a serious illness. Group Critical Illness insurance can help.

Critical Illness insurance pays employees directly. While health insurance covers most medical costs, there are many expenses it doesn't cover. Critical Illness insurance can help bridge the gap. They can use the money to pay for whatever they need, from deductibles and utilities to groceries and child care. The choice is theirs. 

Make a Difference After a Diagnosis

For employees faced with a life-altering diagnosis, give them the help that makes a real difference.

Fewer Limits

No diagnosis waiting periods or lifetime benefit maximums.

Benefits Beyond Health Insurance

Pays lump-sum benefits that can be used for expenses not covered by health insurance.

Covers a Range of Diagnoses

Covers up to 20 serious illnesses, plus 21 childhood illnesses. Covers seven serious illnesses for New York customers.

Kids Included

No additional premium to cover employee’s children.

Extra Advocacy

Health Advocacy Select helps employees with a covered critical illness navigate the health care system and get help finding in-person and remote second opinions. 1

Personalized Plans for Real Situations

Three Benefit Levels

Choose from three tiers of benefits: Select, Enhanced and Premier. Each level builds on the number of critical illnesses covered.

Recurring Illness⁴

Add a reoccurrence benefit to resume payments for a diagnosis that returns after a period of time without treatment.

Choose to Include Spouses

Include the spouses of your employees for whole-family coverage.

Early-Detection Screenings

Cover wellness screenings with a yearly benefit to help prevent catastrophic illness through early detection. 

How Critical Illness Insurance Works

Learn how Critical Illness insurance benefits work for employees.

1. An employee is diagnosed

A diagnosis of a critical illness, like cancer, often leads to a lot of medical and non-medical expenses that might not be covered by health insurance.

2. Your employee gets a check, directly

Approved claims are paid with a check sent directly to your employee, to pay for whatever they need.

3. The patient can focus on getting better

That extra financial support for surprise expenses can help your employee focus on healing, not financial struggles.

Video: Help Employees Learn the Why and How

Learn and share the basics of Critical Illness insurance with this short video.

Ask Us About Critical Illness Insurance

Help your employees prepare for the unexpected.
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