What we cover · Accident & Critical Illness
Accident & Critical Illness
Critical illness coverage is of utmost importance as it provides financial support when you need it most, in the face of a serious illness.
What it actually is
Often called gap coverage: plans that pay you cash on a diagnosis or after an accident, independent of your medical plan. That money arrives while you're still being treated and can go to anything — the deductible, the mortgage, the drive to treatment.
What it helps with
- A lump sum on diagnosis of a covered serious illness
- Fixed cash payouts after a covered accident or injury
- Covering the deductible and the bills a medical plan doesn't touch
Worth asking us
- Which diagnoses a policy actually covers — definitions matter more than brochures
- How a gap plan pairs with a high-deductible medical plan
- What it costs at your age now versus five years from now
The honest caveat
Every plan defines its own terms — what's covered, what's excluded, and what the words on this page mean in that contract. That's not small print to skim; it's the product. It's also exactly what we read with you, in plain English, before anything gets signed.
The other four
Hospitalization · Outpatient Care · Life Insurance · Short Term Disability