Critical Illness & Specified Diseases Insurance
Preparing for Critical Illness
A critical illness can be difficult to face and may create emotional, physical, and financial challenges. While you focus on recovery, protect your family with critical illness or specified disease insurance from Insurance for the people. Our lump-sum plans can provide financial support, helping you prepare for unexpected health challenges and related expenses.
Critical Illness Insurance Policies & Benefits
A diagnosis of a serious or life-threatening illness can bring fear, stress, and uncertainty. Critical illness insurance can help you feel more financially prepared. Benefits may be used for expenses including treatments not covered by your health plan, deductibles, mortgage payments, household bills, and other costs. You have the flexibility to use your benefit where it is needed most.
Critical Illness Coverage Amounts: $10,000 - $50,000
Free-Standing Policy
Available in increments of $10,000
HSP Gold or HCS Rider
Available in increments of $5,000
Children
May have $10,000, but must be included on a policy with an adult
Critical Illness Benefits Are Paid in Two Categories
Pays 100% of Policy Value:
Cancer (Internal Cancer) Stage 3 or Higher
Excludes pre-malignant conditions or conditions with malignant potential; CIN stage I and II, carcinoma in-situ, and skin cancer.
Pays 25% of Policy Value:
Non-Invasive Carcinoma In Situ (Stage 0-2)
Policy does not provide benefits for skin cancer.
Category Two Critical Illness Benefits
100%: Heart Attack, Stroke, End-Stage Renal Failure, Organ Transplant (Heart, lung, liver, and pancreas)
50%: Organ Transplant (Kidney)
40%: Pacemaker Implant - Double Chamber
30%: Pacemaker Implant - Single Chamber
25%: Coronary Artery Bypass (Only once in a lifetime)
10%: Angioplasty
Once a covered illness is diagnosed, eligible benefits may be used at your discretion. You may use funds for deductibles, household expenses, treatments not covered by your health insurance, and other financial needs. The benefit is yours to use as needed!
Specified Disease Insurance
Advances in medical care have helped us better understand conditions and diseases that may affect our health. Knowing the risks we face can help us prepare for unexpected medical and financial challenges. With Specified Disease Insurance, you can prepare for a specific diagnosis. This coverage can offer financial support for healthcare expenses related to a particular disease or group of diseases.
For example, we offer coverage designed for individuals who may face a higher risk of stroke. Depending on the policy, benefits may help cover hospital stays, physical therapy, and other eligible expenses. This support can help your family focus on recovery while you focus on healing and recovery without the added stress of unexpected costs.
Covered Conditions & Procedures
Amputation, ALS, Angioplasty, Cancer/Internal Cancer, Coronary Artery Bypass Surgery, End Stage Renal Failure, Heart Attack, Heart Valve Surgery, Joint Replacement, Major Organ Failure / Major Organ Transplant*, Pacemaker / Defibrillator, Ruptured Aneurysm, Stroke
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* $100,000 Lifetime Maxium on Organ Transplant
