Critical Illness Insurance

A covered diagnosis like a heart attack, stroke, or cancer triggers one lump-sum payment.

No cost. No pressure. Takes about 2 minutes.

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Surviving is the expensive part

Major medical pays the hospital. It doesn’t pay the mortgage while you’re off work, the flights to a specialist, or the deductible and out-of-pocket maximum landing in the same year. Critical illness insurance pays one lump sum on a covered diagnosis, to you, for exactly that pile-up.

The mortgage keeps getting paid

Fixed costs don’t pause for treatment. The check holds the household steady while income wobbles.

Travel to the right treatment

Flights, lodging, a caregiver’s time off. None of it is a covered service; all of it is real.

The income gap while you heal

Months off work, reduced hours, the out-of-pocket max landing all at once. The check absorbs the pile-up.

Triggered by diagnosis

A covered diagnosis triggers a payment. No itemizing, no receipts.

You pick the maximum

Choose your benefit amount at enrollment; premiums scale with it.

Spend it anywhere

The check is unrestricted: mortgage, travel, or the income gap.

Most plans pay on first diagnosis, after a short waiting period from the effective date, often around 30 days. Benefits are per covered person.

Rest easy

Covered conditions

Covered conditions are named in the policy, and each carrier defines its own list. These are examples of conditions commonly covered by critical illness plans.

Alzheimer’s disease
Amyotrophic lateral sclerosis (ALS)
Coma
Heart attack
Life-threatening cancer
Major organ transplant
Renal failure
Stroke

Plus many more, named in your policy’s schedule. One first diagnosis from the list triggers the payment, made directly to you.

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Before you enroll

Condition lists differ. An agent reads yours with you

Every carrier defines its own covered conditions, payout tiers, and waiting periods, and every state edits the list. A licensed agent, not a call center, walks the definitions and dollar amounts for your ZIP in plain English, at no cost and with no obligation.

Frequently asked questions

GetHealthPlans.com licensed agent GetHealthPlans.com licensed agent Answers by our licensed team Reviewed for accuracy Updated September 1, 2026

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