Critical illness insurance: cash when it matters.
A covered diagnosis pays a lump sum of cash directly to you, not to a hospital. Spend it on anything: bills, mortgage, travel for treatment, or time off work. No networks, no receipts.
At a glance
- Lump-sum cash benefit paid directly to you after a covered diagnosis.
- No restrictions on use. It is your money: bills, income replacement, anything.
- No network rules. See any doctor, at any hospital, anywhere.
- Guaranteed renewable as long as premiums are paid.
Conditions plans commonly cover
The big three. Invasive cancer, acute myocardial infarction, and cerebrovascular accident are the core of every critical illness plan.
End-stage renal disease requiring dialysis, and transplants of the heart, lung, liver, kidney, or pancreas.
Broader plans cover 20 or more conditions, including permanent loss of muscle function, sight, or hearing, third-degree burns, and extended coma.
Plans commonly offer lump sums from $10,000 up to $100,000. We size it to your income, your deductible, and what your household would need to stay afloat during treatment.
The bill your health plan never sees
Health insurance pays doctors and hospitals. It does not pay your mortgage while you take three months off for chemotherapy, cover the drive to a specialist two hours away, or replace a paycheck.
That is the gap a diagnosis actually opens, and it is why critical illness coverage is the most-added protection in our book. The cash lands within weeks of diagnosis and it is yours.
Exact premiums depend on your age, coverage amount, and carrier. An advisor will show you the real number before you decide anything.
Where it fits in your one plan
Critical illness is a layer, not a replacement. It sits on top of a health plan and fills the money gap a serious diagnosis creates:
AllstateQuick answers
Who gets the money, and how can I use it?
You do, as a single lump sum, and there are no restrictions. Clients use it for deductibles, mortgage and rent, travel to treatment, childcare, or simply replacing income while they recover.
Do I need a medical exam to enroll?
Most plans use a short health questionnaire rather than an exam. An advisor will tell you exactly what the carrier asks before you apply, so there are no surprises.
Does it replace my health insurance?
No. It works alongside your health plan. Your health insurance pays the medical system; critical illness coverage pays you.
When can I enroll?
Almost any time. Unlike marketplace health plans, critical illness coverage is not limited to open enrollment.
Ready when you are
Tell us three things and a licensed advisor will call with your real options, at your real price. No pressure, no obligation, and we make sure you're covered before we enroll you in anything.
Get your critical illness quote
A licensed agent will call with your best options. No obligation.