EVERY HEALTH
Critical Illness Insurance
This type of coverage is based on decisions that include your family’s medical history and other factors. For example, if your family has a history of serious medical issues that arise at an early age, then this coverage could be a huge help to you and your family
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Critical Illness Coverage Is An Essential Consideration For Your Health insurance.
Who Needs Critical Illness Insurance?
Critical illness coverage applies to various medical conditions that could significantly impact your financial situation despite having health and disability insurance. As the cost of treatments and deductibles rises, extra insurance can help pay for those unexpected expenses.
Critical Illness Coverage Is An Essential Consideration For Your Health insurance.
Families
Your family will get peace of mind knowing that they can maintain the household while a family member goes through medical treatments.
Individuals in need of a high deductible filler
Critical illness insurance can fill the gap if you’re worried about paying the high deductible on your health insurance
Small business owners
Small businesses rely on their owners to operate. Critical illness insurance can keep the company afloat if the owner cannot work due to a severe illness or medical treatment. Critical illness coverage has no impact on your current health insurance policy. It serves as additional coverage if you are diagnosed with a severe medical condition and cannot work for a time.
Since everyone's situation and goals are different, our policies are designed differently, too. Depending on what you need, our life insurance can simply be your safety net from the unexpected, or it can be the foundation of a smart financial plan, giving you more financial flexibility for the things that are important during your life like paying for college, growing your business, and having more income in retirement. At Every Health, our advisors base their recommendations on your priorities and what you can afford—so you get only the life insurance you need and nothing you don't.
Types of coverage are based on decisions that include your family’s medical history and other factors. For example, if your family has a history of serious medical issues that arise at an early age, then this coverage could be a huge help to you and your family. If you do add Life or Critical Illness coverage, it does not affect your regular healthcare plan in any way. You are not trading a lump benefit for no coverage later, but rather simply adding additional coverage in the event of a major medical issue.
If you do add Life or Critical Illness coverage, it does not affect your regular healthcare plan in any way. You are not trading a lump benefit for no coverage later, but rather simply adding additional coverage in the event of a major medical issue.
Critical Illness Insurance
- Benefit Amounts: $10,000 to $100,000
- Policy Term: 10-, 15-, 20-, and 30-years or Lifetime
- Coverage Type: Individual, Single or Family
- Policy Issue Ages: 18-64
Designed for Recovery
When you have critical illness insurance, you will receive a lump sum when diagnosed with a covered condition. You will receive a check to cover anything you need. It won’t go directly to your health care provider.
Replace lost income
f you need to take time off work to complete your treatment plan, critical illness insurance can help. It can also cover if your spouse uses all their vacation time to help you during recovery.
Household expenses like mortgage payments, groceries, and utilities
Finances can be tight while you recover from your illness. You have medical bills and prescriptions to pay for while dealing with lost income and other expenses. Critical illness insurance can cover your living expenses and more.
Health insurance deductibles or copayments
Critical illness insurance can offset incidental costs for your treatment that your health insurance may not cover.
Travel to receive treatment
If you must travel to another city, state, or country for the best treatment, it’s vital to have critical illness insurance to ensure you have the necessary funds to travel safely.
Covered Conditions
- Stroke
- Heart Attack
- Blindness
- Deafness
- Malignant Melanoma or Internal Cancer
- Major Organ Transplants
- Alzheimer’s Disease
- Coronary Artery
- Bypass Surgery
- Kidney Failure
- Coronary Angioplasty
- Surgery
- Paralysis
Policy Benefits
- You can renew your policy as long as you need.
- You pay the same for your family, regardless of how many children you have.
- Limited underwriting process.
- You know exactly how much you will receive when you make a claim. There are no surprises.
- Optional riders can enhance your coverage at no extra cost.
- You receive a Return of Premium (ROP) when you pass away.