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What is a Critical Illness Insurance Plan?

Critical illness insurance, also known as critical illness cover or critical illness policy, is a type of insurance that provides financial protection to individuals in the event they are diagnosed with a specified critical illness.

It is designed to offer a lump sum payment to the policyholder upon the diagnosis of a covered critical illness, regardless of the medical expenses incurred or the policyholder’s ability to work.

The specific critical illnesses covered may vary depending on the insurance policy and the insurance provider.

However, common critical illnesses that are typically covered include cancer, heart attack, stroke, organ transplantation, kidney failure, major organ failure, and certain types of surgeries like coronary artery bypass grafts.

It’s important to carefully review the policy details to understand the exact list of covered illnesses.

What is a critical illness insurance plan?
How does critical illness insurance work?

How Does Critical Illness Insurance Work?

Critical illness coverage is an insurance policy that provides you and your dependents with financial support in the event of a serious illness. It’s not a pleasant thing to think about, but it’s important to have a plan in place to protect yourself and your loved ones.

During enrollment, you can choose the amount of coverage that suits your needs. If you or your dependents are diagnosed with a covered illness while under the policy’s coverage, a lump sum benefit will be disbursed.

That money can be used to cover medical expenses, pay bills, or help you get the care you need. If the illness recurs or you are diagnosed with another covered illness, benefits will continue to be paid to you up to the maximum benefit limit, as long as you remain insured under the policy.

It’s an excellent way to ensure that you have peace of mind, knowing that you’re protected in case the worst happens.

Why is Critical Illness Insurance So Important?

A significant proportion of cancer patients in the United States, amounting to 65%, encounter financial challenges due to insufficient funds for covering their cancer treatment expenses and the resulting debts. Following the completion of their treatment, nearly 30% of these individuals find themselves burdened with debts exceeding $10,000. These statistics underscore the necessity for enhanced financial assistance to aid individuals battling severe illnesses.

Benefits of Critical Illness Insurance

Experience the advantages of Critical Illness insurance, where you’ll be granted a one-time payment upon the diagnosis of a covered illness. The payment can be utilized in any manner you desire, encompassing:

    Expenses Not Covered By Your Medical Insurance

    Expenses Not Covered By Your Medical Insurance

    Costs for deductibles and coinsurance

    Costs For Deductibles and Coinsurance

    Caregiver Expenses

    Caregiver Expenses

    Travel expenses to and from treatment facilities

    Travel Expenses To and From Treatment Facilities

    Rehabilitation Expenses Day-To-Day Living Expenses

    Rehabilitation Expenses Day-To-Day Living Expenses

    Rent or Mortgage Payments

    Rent or Mortgage Payments

    Grocery Expenses

    Grocery Expenses

    Childcare Costs

    Childcare Costs

    Utility Bills

    Utility Bills

    Components of Critical Illness Insurance

    A List of Covered Illnesses

    The policy will specify which illnesses are covered. Some common covered illnesses include cancer, heart attack, stroke, organ transplants, and paralysis.

    A Lump Sum Payment

    If you are diagnosed with a covered illness, you will receive a lump sum payment from the insurance company. The amount of the payment will vary depending on the policy.

    Waiting Period

    There may be a waiting period before you are eligible to receive benefits. The waiting period is typically 12 months, but it can be shorter or longer.


    The policy will need to be renewed at regular intervals. The cost of renewal may increase over time.

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    Factors to Consider When Shopping for Critical Illness Insurance

    Here are some factors to consider when shopping for critical illness insurance:

    • The type of coverage: There are two main types of critical illness insurance: standalone policies and riders. Standalone policies are stand-alone products that only provide critical illness coverage. Riders are add-ons to other types of insurance, such as life insurance or health insurance.
    • The covered illnesses: Make sure you understand which illnesses are covered by the policy. Some policies may only cover a limited number of illnesses, while others may cover a wider range.
    • The waiting period: The waiting period is the time you must wait after being diagnosed with a covered illness before you can receive benefits. The waiting period is typically 12 months, but it can be shorter or longer.
    • The amount of coverage: The amount of coverage you need will depend on your individual circumstances. Consider your financial situation, your health, and your budget when deciding how much coverage to buy.
    • The premiums: The premiums are the cost of the policy. The premiums will vary depending on your age, health, and the amount of coverage you want.
    • The exclusions and limitations: All policies have exclusions and limitations. Make sure you understand these before you purchase a policy.
    • The claim process: Understand how to file a claim and how long it takes to receive benefits.

    It is important to compare different policies before you buy critical illness insurance. You can use online comparison tools or talk to a financial advisor to get help comparing policies.

    Here are some additional tips for shopping for critical illness insurance:

    • Start by getting quotes from several different insurers.
    • Compare the premiums, coverage, and exclusions of each policy.
    • Read the terms and conditions of each policy carefully.
    • Ask questions if you don’t understand something.
    • Consider your individual circumstances when choosing a policy.

    Critical illness insurance can be a valuable financial tool, but it is important to carefully consider your needs and budget before purchasing a policy.


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      Operating since 2010, Apollo Insurance Group is a prominent health insurance brokerage serving Lee’s Summit, Missouri, and Chicago, Illinois.

      Our core purpose revolves around making a positive impact on people’s lives. Through our relentless commitment, we strive to unearth the optimal solutions for our valued clients, foster meaningful connections with our employees, and actively contribute to our communities.

      With a specialization in Medicare, life insurance, dental, and vision coverage, Apollo boasts a team of knowledgeable agents well-versed in individual health insurance. Allow us to assist you in finding the perfect plan tailored to your needs. Connect with us today by completing our convenient contact form.

      Apollo Insurance Group

      Apollo Insurance Group

       Official Health Insurance Brokers

      As we live out our mission to Positively Impact People’s Lives, we battle for you and all your health insurance needs.


      FAQ with Critical Illness Insurance

      How does one qualify for critical health insurance?

      To qualify for critical health insurance, individuals generally need to meet certain criteria set by the insurance provider.

      These criteria may include age restrictions, medical history, and lifestyle factors. The insurance company may require applicants to disclose their medical history and undergo a medical examination.

      Pre-existing conditions or high-risk occupations may affect the eligibility or cost of the policy.

      Can critical health insurance be purchased as a standalone policy?

      Yes, critical health insurance can be purchased as a standalone policy from many insurance providers.

      It can also be offered as a rider or add-on to a life insurance policy or a comprehensive health insurance plan.

      Standalone policies often provide more extensive coverage for critical illnesses compared to those offered as riders.

        Is critical health insurance worth considering?

        Whether critical health insurance is worth considering depends on individual circumstances and financial goals.

        It can be particularly valuable for individuals without substantial savings or other forms of financial protection.

        If a critical illness diagnosis could significantly impact your finances or if you have dependents who rely on your income, critical health insurance can offer a safety net. However, it’s important to carefully review the terms, coverage, and cost of the policy to determine if it aligns with your needs and budget.

          Are there any limitations or exclusions with critical health insurance?

          Critical health insurance policies typically have limitations and exclusions that policyholders should be aware of.

          These may include waiting periods before certain illnesses are covered, pre-existing condition exclusions, specific definitions and criteria for each covered illness, and limitations on the payout amount.

          It’s crucial to review the policy details, including the fine print, to understand the scope of coverage and any restrictions that may apply.

            Can critical health insurance be claimed multiple times?

            Yes, critical health insurance can typically be claimed multiple times, depending on the terms and conditions of the specific insurance policy.

            If the policyholder experiences another covered critical illness or medical condition, they can submit a new claim and potentially receive an additional payout, as long as the policy terms allow for multiple claims.

            It’s important to review the specific terms and conditions of the critical health insurance policy to understand the coverage limits, waiting periods, exclusions, and any restrictions on multiple claims.

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            Apollo Will Find the Right Plan for You

            Apollo Insurance Group is a health insurance brokerage located in Lee’s Summit, Missouri and Chicago, Illinois. We have been around since 2010, and our mission is to positively impact people’s lives. We do this by fighting to find the best option for our clients, create relationships with our employees, and give back to our communities. Apollo also specializes in Medicare, life insurance, dental, and vision plans. We have agents that are experts on health insurance and are ready to help you find the right plan or answer any questions you have. Fill out our contact form to get in touch with an agent for a free consultation.

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