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A living benefit that provides a lump-sum you can spend on anything you want if you are
Diagnosed with a specified covered illness
Critical illness insurance usually pays a one-time lump-sum payment if you’re diagnosed with a life-threatening illness. The lump-sum payment may cover expenses such as daycare or renovations to make your home more accessible.
Critical illnesses may include:
- Alzheimer’s Disease
- Heart attack
The amount you receive as a benefit will depend on the amount of coverage that you choose. The insurance company usually pays you the benefit after the diagnosis of a condition covered by your policy.
Insurance companies can differ in:
- how they define critical illness
- what conditions they cover