Critical illness and cancer
Surviving is only the beginning.
Financial support when you need it most: it pays a cash lump sum when you're diagnosed with a covered illness, such as cancer, heart attack or stroke.
Key points
- The money is yours: use it for treatment, rent or whatever your family needs.
- Plans are available for you and your family.
Does not replace health insurance. Covered illnesses and amounts according to the policy.
In plain words
- Fixed indemnity
- A fixed amount is paid to you, not to the hospital. The money is yours.
- Supplemental insurance
- It doesn't replace your health plan: it covers the gap it leaves.
- Waiting period
- The time that must pass from when you buy it until you can use it.
- Pre-existing condition
- Something you already had before buying the policy. It is usually not covered at first.
Questions about this coverage
What is supplemental insurance?
A policy that pays cash directly to you when a covered event happens, such as a hospital stay, an accident or a cancer diagnosis. You use that money for whatever you need: copays, deductibles, rent or groceries.
Does supplemental insurance replace my health plan?
No. Your health plan pays the hospital and doctors; supplemental insurance pays you. They work together.
How is a supplemental benefit paid?
It's paid directly to you, not the hospital, according to the policy terms.
Do I need legal status for supplemental insurance?
For supplemental insurance, your immigration status doesn't matter. I explain each policy's requirements before you apply.
General information, not an offer of coverage. This is fixed indemnity insurance, not health insurance. Amounts and coverage depend on the plan, the state and approval.