Critical Illness Insurance
Supplemental coverage designed to ease the financial burden of serious diagnoses.
Even with great health insurance, a major diagnosis—like cancer, a heart attack, or a stroke—can bring unexpected financial stress. That’s where Critical Illness Insurance comes in.
At BCI Insured, we offer
free, independent support to help you decide whether this kind of policy fits your situation. We’ll walk you through how it works, what it covers, and how to compare your options—without any pressure or sales pitch.
What Is Critical Illness Insurance?
Critical Illness Insurance is a supplemental policy that provides a lump-sum benefit if you’re diagnosed with a covered condition. Depending on the plan, covered illnesses often include:
Cancer
Heart attack
Stroke
Organ failure
Major surgery
Advanced Alzheimer’s disease
And more
You receive the benefit directly, which means you can use the funds however you need—whether for medical bills, household costs, travel, or lost income during recovery.
Why Consider Critical Illness Coverage?
This type of insurance can offer peace of mind and financial flexibility by helping with:
Out-of-pocket medical costs not covered by your health or Medicare plan
Travel and lodging if treatment requires being away from home
Lost income if you or a family member has to take time off work
Household expenses during recovery
It’s not about replacing your current insurance—it’s about
adding another layer of protection when the unexpected happens.
Who Might Benefit from This Policy?
- Adults concerned about the financial impact of a major illness
- Medicare beneficiaries seeking added peace of mind
- Families with a history of serious conditions
- Self-employed individuals or those with high-deductible plans
- Anyone who wants financial flexibility in a worst-case scenario
We can help you determine if a critical illness plan complements your existing coverage.
Life Changes? Your Plan Can Too.
- Break down what critical illness insurance is and isn’t
- Compare plans from multiple trusted carriers
- Explain how it fits with your current Medicare or health plan
- Help you apply—clearly and confidently
- Always offer advice at no cost to you
FAQs About Critical Illness Insurance
What’s the difference between critical illness and other types of supplemental insurance?
Critical illness insurance focuses on lump-sum coverage for specific diagnoses like heart attack or cancer. Other plans may cover broader needs, but not in the same way.
Is this coverage included in my regular health insurance?
No. Traditional insurance pays providers, not you. Critical illness insurance pays you directly so you can use the benefit however you choose.
Can I qualify if I’ve had a major illness before?
It depends on the specific plan and your health history. Some policies have lookback periods or exclusions—we’ll help you understand what’s available.
How do I use the benefit?
Once approved, you’ll receive the lump-sum benefit directly and can apply it toward medical costs, travel, bills, or anything else you need.
Your Independent Guide to Critical Illness Insurance
If you’re thinking about how to better protect your finances in case of a serious diagnosis, we’re here to help. Let’s explore whether a critical illness plan makes sense for your situation.
Have a question?