Standalone Critical Illness
🩺 One Diagnosis Shouldn’t Mean Two Crises
Cancer, heart attack, or stroke pays out a lump sum, cash, direct to you — on top of whatever your regular health plan already covers.
🔔Want to know where you stand before anything shows up? Many body-scan and screening providers let you test privately, cash-pay, no referral needed. See what a full checkup actually costs →
💰 What does critical illness insurance pay?How It Works
A one-time lump-sum cash benefit, paid directly to you, on a first diagnosis of a covered major condition — cancer, heart attack, stroke, and other critical conditions depending on the level you choose. Spend it on living expenses, the deductible, or medical bills — your choice.
📊 What are the benefit levels?Levels
Three tiers to match your budget: Cancer-only, Heart Attack & Stroke, or broader Critical Conditions (including major organ failure). Optional riders add routine wellness, prescription drug costs, and 24/7 telemedicine.
👪 Who can enroll, and is it guaranteed?Eligibility
Guaranteed issue and simplified-underwriting options are available — no lengthy health questionnaire required. Issue ages run 18–90, with dependents covered to age 26, and the policy is guaranteed renewable.
🧾 Is the payout taxable?Taxes
Generally, no — if premiums are paid with post-tax dollars, the lump-sum benefit is typically non-taxable.
⚠️ What this doesn’t doFine Print
It’s a limited-benefit supplemental policy, not major medical insurance, and it doesn’t satisfy ACA Minimum Essential Coverage. A condition diagnosed before your policy’s effective date (or during a waiting period) isn’t covered.