Critical Illness Insurance

How Does Critical Illness Insurance Work?

Critical Illness insurance provides a lump-sum cash benefit when you or a covered family member is diagnosed with a covered serious illness. You can choose from three coverage amounts, and your spouse or domestic partner and dependent children can receive up to 50% of your coverage amount.

The cash benefit is paid directly to you, and you can use the money however you choose, including for medical expenses, travel for treatment, mortgage or rent or everyday living expenses.

How the Plan Works

• Choose your coverage amount: You can choose $10,000, $20,000 or $30,000 for yourself. You can also enroll your spouse in up to 100% of your coverage amount or dependent children in 50% of your coverage amount.
• Receive a lump-sum payment: The benefit is paid directly to you after a covered diagnosis.
• Use the benefit where you need it most: You can use the money for medical expenses, living expenses or other costs while you recover.

What Does Critical Illness Insurance Cover?

Critical Illness insurance can provide benefits for a range of serious illnesses and conditions. Here are some commonly covered conditions:

• Heart attack
• Cancer
• Stroke
• Major organ failure/transplant
• Advanced Alzheimer’s disease

Health Screening Benefit

You and your enrolled spouse and dependents can also receive $50 per covered person, per calendar year, when you or a covered family member completes an eligible preventive screening, such as a routine eye or dental exam, annual physical or mammogram.

Learn More

Refer to the plan documents to see a full list of covered conditions and benefit amounts and to learn more about how to file a claim.