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Critical Illness*

Surviving a critical illness can take a financial toll on employees and their families. Critical illness insurance helps supplement key benefits such as medical and disability coverage by providing a lump sum cash benefit. This can be used to help pay for additional expenses such as medical deductibles, travel cost, home healthcare, lost income of a spouse, or even a vacation.

*Specified disease in New York.

In approved states, voluntary critical illness insurance covers the following critical illnesses: 

Original covered conditions—Pays on 1st occurrence and additional occurrences

New covered conditions—Pays on 1st occurrence only

New children-specific covered conditions—Pays on 1st occurrence only

  • Carcinoma in situ 25%
  • Coronary artery disease 25%
  • Heart attack
  • Invasive cancer
  • Major organ failure
  • Stroke
  • Alzheimer’s disease
  • Amyotrophic lateral sclerosis
  • Benign brain tumor
  • Coma
  • Loss of hearing, sight, speech
  • Multiple sclerosis
  • Occupational HIV/hepatitis
  • Paralysis
  • Parkinson’s disease
  • Skin cancer $250
  • Cerebral palsy
  • Cleft lip/palate
  • Cystic fibrosis
  • Down syndrome
  • Muscular dystrophy
  • Spina bifida

Not all coverages available in all states. See employer materials below for state-specific covered conditions.

We offer voluntary coverage for groups with as few as 5 lives. Must be sold with another coverage. Some provisions may vary or not be available in some states.

Important Information

For producer use only. Not intended for use with consumers or the public. CRITICAL ILLNESS (SPECIFIED DISEASE IN NY) PROVIDES LIMITED BENEFITS. This summary is not a complete statement of the rights, benefits, limitations and exclusions of the coverage.


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