Heart attack. Stroke. A major diagnosis at 52. Your health insurance handles the medical bills — but not the mortgage, the groceries, or the weeks you're out of work.
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What it pays for
Critical illness benefits are paid as a lump sum you can spend however you need. There's no requirement to use it on medical care.
- Deductibles and coinsurance on your primary plan
- Mortgage, rent, and utilities during recovery
- Travel and lodging for treatment outside town
- Childcare or in-home help
- Lost income while you're away from work
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Who it's for
Anyone with a high-deductible health plan, a family that depends on a single income, or a health history that raises the odds of a covered condition. It's especially common among Gulf Coast small-business owners and self-employed folks.
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How we help
We compare critical illness policies across carriers and match the benefit amount to what would actually cover your household's fixed costs — usually somewhere between $10,000 and $50,000.
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