Critical Illness

Critical Illness Insurance

Critical Illness Happens to Other People . . . until it happens to you.


When faced with a critical illness, both medical and non-medical expenses arise. Out-of-pocket expenses such as in-home care, lost wages and child care come along at exactly the wrong time, and they can be devastating.


Many Americans do not have sufficient savings to meet immediate out-of-pocket expenses and are forced to deplete their available assets to cover costs.


 More than half of all U.S. bankruptcies are based on a medical event; often, these involve people with good health insurance who are nonetheless faced with tens of thousands of dollars of out-of-pocket expenses. 


Most “good” medical insurance plans do not cover what they deem experimental. Critical Illness and Cancer insurance can pay for these treatments. Many use there lump-sum payment to fund holistic cancer therapies. Even therapies that take place outside the United States. 

Covered Conditions

  • Invasive cancer
  • Heart attack
  • Stroke
  • End-stage renal failure
  • Major organ transplant
  • Terminal illness
  • Advanced Alzheimer’s Disease
  • Loss of independent living
  • Loss of limbs
  • Major burns
  • Paralysis
  • Coronary bypass surgery
  • Heart valve replacement and repair surgery
  • Aortic surgery
  • Angioplasty

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