A serious diagnosis brings medical bills health insurance does not cover, on top of lost income while you recover. Critical illness coverage pays a lump sum directly to you if you are diagnosed with a covered condition.
Use it for deductibles, travel to treatment, or just keeping the household running while you focus on getting better.
Available as a stand-alone policy or as part of a group benefits package.
Who this is for
Employers rounding out a benefits package, and individuals who want a cash buffer alongside their health plan.
What we look at
Which conditions are covered, and how the policy defines each one
Whether the benefit can be paid again for a new condition
Waiting periods and any limits tied to pre-existing conditions
How it works alongside your health and disability coverage
Questions worth asking at your next review
- Which diagnoses does this policy actually cover?
- When is the benefit paid, and to whom?
- What would this add to what my health plan already pays?
Not sure of the answers? That is what the conversation is for. Les will walk through your current coverage with you.
