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While the name may sound daunting, critical illness insurance coverage can help make all the difference, especially when a life-changing health event takes place. Often, major health events can be both emotionally and financially impactful.
Thankfully, supplemental critical illness insurance works with your primary health insurance plan to help provide additional help. Discover what critical illness insurance helps cover and if critical illness coverage makes sense for you and your family’s needs.
Before we begin, it’s important to understand that a critical illness is a major health emergency like a heart attack or stroke.1 Every insurance plan functions differently, but in general, the critical illness insurance plan benefits are designed to help give you and your family support during trying times. It may be beneficial that you get a critical illness plan before a major health event takes place to be able to access benefits.
Aflac’s critical illness insurance pays you lump-sum cash benefits that can be used toward whatever is needed most. That means critical illness can help cover medications, treatment plans, therapy, or everyday expenses, like groceries and rent.
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It’s crucial that you research what illnesses are explicitly written out in your critical illness plan to ensure you know what is covered by critical illness insurance. Be sure to check out what Aflac critical illness insurance can help with. If you have further questions, chatting with an agent can help provide further clarity.
It’s also important to understand what isn’t covered by critical illness insurance. Understanding the dos and don’ts of critical illness plans can help you choose which supplemental coverage is best for your needs. For example, Aflac’s cancer insurance may be better suited for those who have received a cancer diagnosis. Although cancer is a major health event, there are special insurance policies designed to help support you through your journey separate from critical illness Insurance.
Another helpful choice is Aflac’s hospital insurance. This kind of supplemental plan is designed to help minimize the costs experienced in the emergency room. Also, it’s not uncommon to have more than one supplemental insurance plans to help with expenses not covered by major medical. Chat with an agent to learn about all of Aflac’s insurance plans and coverage options.
Sometimes, there may be different tiers of coverage offered through critical illness insurance. Reading the fine print and understanding the differences between each level can help you decide how much coverage you need. These tiers and the specific regulations from each insurance company will help shape which critical illness insurance option is best for you.
However, it’s important to note that critical illness policies are typically low-cost. Because budget-friendly rates are offered, there can be coverage limitations to consider.2 Researching each critical illness insurance plan carefully can help ensure you know exactly what you're applying for.
Now that you better understand what critical illness helps cover, you can make an educated decision surrounding your coverage goals. While we hope you and your family never have to battle a critical illness, having critical illness insurance in place can help make your journey a little bit easier.
Explore your critical illness insurance options.
1-2 Investopedia - Critical Illness Insurance. Updated March 13, 2022. https://www.investopedia.com/articles/personal-finance/010416/critical-illness-insurance-who-needs-it.asp. Accessed Mar 7, 2023.
This is a brief product overview only. Coverage may not be available in all states including but not limited to: ID, NJ, NY & VA. Benefits and/or premiums may vary based on the state and benefit option selected. Riders are available for an additional premium. The policy has limitations, exclusions and pre-existing condition limitations that may affect benefits payable. The policy may contain a waiting period. Refer to the policy for benefit details, definitions, limitations and exclusions. For costs and complete details of the coverage, contact your Aflac insurance agent/producer.
Critical Illness: In Delaware, Policies A73100DE & A7310HDE. In New York, Policy NY72100. In Oklahoma, Policies A73100OK & A7310HOK. In Virginia, Policy A73100VA. Not available in ID. In Delaware, Policies B71100, B71200, B7130H & B7140H. In Oklahoma, Policies B71100OK & B7110HOK. Not available in ID or VA.
Cancer/Specified-Disease: In Delaware, Policies B70100DE, B70200DE & B70300DE. In Idaho, Policies B70100ID, B70200ID, B70300ID, B7010EPID, B7020EPID. In Oklahoma, Policies B70100OK, B70200OK, B70300OK, B7010EPOK, B7020EPOK. In New York, Policies, NY78100–NY78400.
Hospital Confinement Indemnity: In Delaware, Policies B40100DE & B4010HDE. In Idaho, Policies B40100ID & B4010HID. In New York, Policies NYB40100 & NYB4010H. In Oklahoma, Policies B40100OK & B4010HOK. In Virginia, Policies B40100VA & B4010HVA.
Coverage is underwritten by Aflac. In New York, coverage is underwritten by Aflac New York.
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