Critical Conditions Insurance
Many people lack the insurance protection they need when major illness strikes. Many more face major health issues like cancer, heart attack, and stroke with no coverage at all.
We believe everyone should have the opportunity to obtain critical care insurance to help fill the gaps and help cover the costs related to recovery from major illnesses.
Combined Insurance's Critical Conditions policy can do just that. They are insurance plans that are clearly written and easy to understand, so you can be sure it's the right plan for you and your family.
Ways to Protect You
Four ways critical conditions insurance will cover you and your family.
- HELPS PAY EXPENSES: Long-term recovery can include many unexpected expenses.
- GUARANTED RENEWABLE: As long as your premiums are paid, your right to renew this Critical Conditions insurance policy is guaranteed for life.
- LUMP SUM FOR SOME OF THE MOST CRITICAL CONDITIONS: We provide a lump sum benefit to you if you are diagnosed with one of the covered conditions.
- BENEFITS PAID DIRECTLY TO YOU: This policy pays you directly, in addition to all other insurance you may have.
What's Covered
Combined Insurance's critical care insurance provides a lump sum benefit if you are diagnosed with, or receive treatment for, one of the following conditions:
- Life threatening cancer (except skin cancer)
- Heart attack
- Valve replacement
- Stroke
- Brain tumor
- Kidney failure
- Organ transplant (heart, kidney, liver, lung, pancreas)
- Loss of hearing
- Loss of speech
- Blindness
- Severe burns
- Paralysis (two or more limbs)
- Dismemberment (two or more limbs)
- Occupational HIV
- Carcinoma-in-situ
- Stage A prostate cancer
- Coronary Artery Bypass Graft surgery
How Much Critical Conditions Insurance Will You Need?
Though it is difficult to know exactly how much Critical Conditions insurance anyone will need to pay out-of-pocket expenses, an emergency insurance fund equal to one time your annual income may be sufficient.
You can always choose more or less depending on your needs, but this amount is a good place to start.
Three Optional Riders Available
- Paid-up policy after 20 years
- Return of premium after 20 years
- Child rider
Learn more about our other Health Insurance option, Cancer Disability care
(1) "Critical Illness Insurance: A Lump-Sum Review." LIMRA's Marketfacts Spring 2002
Download the Needs Assessment worksheet to see if you and your family have the insurance protection you need.
Earlier this year I became extremely sick, and I was unable to work for more than three months. Combined Insurance was there for me and my family the whole way during this difficult time.