About Critical Illness Insurance?
As the number of people surviving critical illness climbs, so does the number of personal bankruptcies brought about by the costs of recovery—in fact, about 50% of personal bankruptcies are due to critical illness.1 Critical illness insurance is meant to provide families the means to maintain their standard of living during this costly and difficult time.
Critical illness insurance is supplemental coverage that gives you a one-time payment if you’re diagnosed with a covered cancer, heart attack, stroke or paralysis -- money you can use to help fill the gaps your health insurance and disability don’t cover or however you wish.
Health insurance rarely covers 100% of costs of a critical illness2 -- there are usually deductibles, co-payments, restrictions on which doctors you see and which tests, special treatments, therapies, and medicines are covered.
One-time payment on diagnosis
It’s a simple process. Submit a claim when you’re diagnosed with a covered critical illness, and if your claim qualifies for coverage under the policy terms, we pay the benefit promptly. It’s on top of any benefits from other types of insurance you have; it can help pay expenses your other insurance plans may not cover.
Benefits paid whether you’re employed or not
Critical Illness Insurance is not tied to a job, you own the coverage; as long as premiums are paid, it stays in effect.
Return of Premium option
Apply before age 50, and you’ll get all your paid premiums back if you select the Return of Premium option and don’t make a claim by age 65. Guaranteed. It’s a win-win.*
Access to Best Doctors®
Best Doctors Inc. is a service founded by two physicians affiliated with Harvard Medical School, that puts you in touch with the world’s top medical specialists. They can help you find the top doctors in your area, review your medical records, provide specific treatment recommendations, or even help coordinate your appointments and your care**
See our terms-and-conditions for exclusions and rate change and renewability.
