How critical illness insurance works
Lump-sum benefits, covered conditions and how claims are paid.
Diagnosis triggers the benefit
When a doctor diagnoses a condition covered by your policy, you file a claim and receive a lump-sum payment.
Covered conditions
Common conditions include heart attack, stroke, cancer, kidney failure and organ transplant. Read the definitions carefully.
Recurrence and partial benefits
Some plans pay partial benefits for less severe diagnoses or pay again if a condition recurs. These features vary.
Questions about critical illness insurance?
Book a free call with a licensed Texas agent.
More critical illness insurance guides
Supplemental and limited-benefit plans are not a substitute for comprehensive major-medical health insurance and do not meet ACA minimum essential coverage requirements. Benefits, waiting periods, exclusions and availability vary by carrier and plan. This page is general information, not a contract — review the plan's official documents before you enroll. Licensed Texas agent: Corby Callaway, TDI #603392.