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
Wellness Screenings
Includes a Health Maintenance Screening Benefit2 for cholesterol checks, mental health assessments, testing for COVID-193 and more.
Personalized Plans for Real Situations
Choose from three tiers of benefits: Select, Enhanced and Premier. Each level builds on the number of critical illnesses covered.
Add a reoccurrence benefit to resume payments for a diagnosis that returns after a period of time without treatment.
Include the spouses of your employees for whole-family coverage.
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.
Explore Everything
Grow your benefit package with smart products and services designed for you and your teams.