Critical Illness

Critical Illness Insurance is a supplemental policy that provides a lump-sum cash payout if you’re diagnosed with a serious health condition such as cancer, heart attack, stroke, or other major illnesses (exact conditions vary by plan). This cash benefit is paid directly to you, not to your healthcare provider—giving you full control over how it’s used.

The reality is that while Medicare (or Medicare Advantage) helps cover medical treatments, it often doesn't account for the non-medical costs that come with a major diagnosis—things like travel for specialized care, time away from work, home modifications, or additional caregiving support. Critical Illness coverage helps protect your finances so you can focus on recovery instead of expenses.

It’s an added layer of security that offers flexibility, peace of mind, and financial breathing room when life throws the unexpected your way.