Recovery from a critical illness is often lengthy and expensive. It often involves the loss of wages and the inability to pay for care and treatment. Many critical illness survivors experience "financial death" because of the indirect costs associated with their illness. Traditional health insurance may not provide the coverage needed to survive a critical illness and lead a normal life.

Expenses that are not generally covered or may be covered only partially by other insurance:

  • Out-of-network copays and deductibles
  • Transportation expenses to distant specialty hospitals
  • Lodging expenses for person traveling with you
  • Rehabilitation
  • Loss of wages for the patient or spouse/caregiver
  • Special diets
  • Special equipment needed for home and/or auto
  • Child care
  • Home health care

Critical Illness Insurance pays a lump sum upon diagnosis of a covered critical illness. Almost all critical illness policies cover at minimum, cancer, stroke, and heart attack. In addition to these three illnesses some programs may also cover; paralysis, major organ transplant, severe burns, Alzheimer’s disease, kidney failure and coma.

- Heart & Stroke Statistical Update - The American Heart Association -