What is Critical Illness Insurance?
Critical illness insurance or critical illness coverage is an insurance product, where the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.
Conditions That May be Covered:
- Alzheimer’s disease
- Blindness
- Deafness
- Kidney failure
- Major organ transplant(s)
- Multiple sclerosis
- HIV/AIDS contracted by blood transfusion or during an operation
- Parkinson’s disease
- Paralysis of limb
- Terminal illness
- Alcohol Abuse
- ALS (Lou Gehrig’s Disease)
- Alzheimer’s/Dementia
- Amputation due to diabetes
- Aneurysm
- Angina (Chest pain)
- Angioplasty (Circulatory-Heart Surgery)
- Arrhythmia
- Assisted Living
- Asthma
- Autism
- Bedridden
- Bipolar
- Brain Tumor
- Bronchitis (Chronic) (form of COPD)
- Bypass
- Cancer (Remission)
- Cancer (Currently)
- Cerebral Palsy
- Circulatory Surgery
- Liver Cirrhosis
- Congestive Heart Failure (CHF)
- COPD (No Oxygen Use)
- Cystic Fibrosis
- Declined by another Carrier
- Defribulator
- Dementia/Alzheimer’s
- Depression
- Diabetes (No complications)
- Diabetes with Insulin use
- Diabetic Coma
- Dialysis
- Disability
- Down Syndrome
- Driver’s License Suspended/DUI
- Drug Abuse
- Emphysema
- Epilepsy
- Felony
- Heart Attack
- Heart Disease
- Heart Valve Surgery
- Hepatitis (Liver)
- (2 different types: Acute vs. Chronic Hepatitis is liver inflammation that lasts at least 6 months – Usually Hep C)
- Home Health Care
- Hospitalized 2 or more times
- Huntington’s
- Incarceration (Released)
- Irregular Heart Rhythm (Same As A-FIB/Atrial Fibrillation)
- Kidney/Renal Disease
- Liver Disease (See Hepatitis)
- Lupus
- Marijuana
- Mental Retardation
- Multiple Sclerosis
- Muscular Dystrophy (Brain)
- Nebulizer use
- Neuropathy
- Neuromuscular Disease
- Organ Transplant
- Oxygen Use
- Pacemaker
- Pancreatitis (Chronic)
- Parkinson’s
- Pending Surgery
- Seizures – Neurological
- Sickle Cell Anemia
- Sleep Apnea
- Spinal Bifida
- Stent
- Stroke
- Ulcerative Colitis
Contact us to learn more about the right critical illness coverage for you.
