Critical illness insurance

What is critical illness insurance?

Critical Illness insurance underwritten by Golden Rule Insurance Company, also referred to as Critical Care insurance or Critical Illness coverage, provides a lump-sum cash benefit to help cover expenses associated with a qualifying serious illness.

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Critical Illness can strike at any time. We’ve all heard stories of friends or family members who have been affected by a serious illness. What we don’t hear is how the financial strain may also have a major impact during this trying time.

A primary health insurance plan may cover some health care costs, but oftentimes the patient will face other challenges such as paying everyday living expenses while out of work. That’s when a Critical Illness plan can come into play.

Advantages of a critical illness plan

  • Tax-advantaged, cash benefit1
  • Flexibility to allocate money as needed
  • Simple application of questions with yes or no answers
  • Various maximum lifetime benefit amounts from $10,000 to $50,000

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How it works — the scenario

  1. A Critical Illness policy with a mid-range $30,000 Maximum Lifetime Benefit is chosen
  2. Several months later the policyholder is diagnosed with an eligible condition
  3. Critical Illness insurance pays $30,000 to the policyholder as rehab continues
  4. Policyholder has an emergency fund to cover financial obligations during recovery

What's covered?

Your Golden Rule Insurance Company Critical Illness Maximum Lifetime Benefit amount can be paid out for:2

  • Heart attack
  • Life-threatening cancer3
  • Loss of hearing
  • Loss of speech
  • Loss of vision
  • Major organ transplant
  • Paralysis
  • Coma
  • Renal failure
  • Stroke
  • Carcinoma in situ
  • Coronary artery bypass graft

Cash benefit to use as you see fit

  • Mortgage or rent payments
  • Groceries
  • Out-of-pocket medical costs
  • Prescriptions
  • Treatment by a specialist
  • Transportation to and from treatment

How much coverage do I need?

The American Association for Critical Illness Insurance recommends to have enough coverage to make your mortgage payment for 2 years.4

Learn more about Critical illness insurance

Combine plans

Pairing a Critical Illness plan with other health insurance products like Short Term Medical, Dental, Term Life and Accident products can help build a more comprehensive coverage package. Talk to a Product Advisor about your options.

Did you know

Most American households are savings-limited, meaning they can replace less than one month of their income through liquid savings.

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