Everything you need to know about Critical Illness Insurance

Total protection against the most extreme conditions and illnesses that can afflict you.

What is Critical Illness Insurance?

Like the name suggests, critical illness insurance covers specific illnesses and conditions like heart attacks, strokes and cancer diagnoses.

Think of it as a supplement to traditional health insurance. Unlike a traditional policy that may cover a portion or percentage of each expense, critical illness insurance pays out a lump sum cash benefit.

The amount of that lump-sum benefit is predetermined and varies depending on the condition and your specific policy. Typical payouts range from $10,000 to $100,000.

Unlike a traditional health insurance policy, you can use a critical illness insurance payout for anything you want. This makes it significantly more flexible than regular health insurance.

You can use the payout from a critical illness insurance policy for:

 

  • Expenses not covered by your insurer
  • Transportation to and from the doctor
  • Meals or child care while you’re recovering
  • Bills if you’re unable to work
  • Other pocket expenses

Who Should Get Critical Illness Insurance?

Many consumers think that having a heart attack or stroke will be fatal, but most patients survive. Unfortunately, mortgage payments, medical bills, and car payments don’t stop while they’re recuperating.

If you’re worried about having a heart attack, stroke, or cancer, this type of insurance may be just what you need. Think of it like a backup plan to traditional health insurance – something to fill in the gaps and ease your mind.

Why do you need critical illness insurance?

Replace lost income

You will not leave your dependents financially helpless if they rely on your income, with adequate coverage while you recuperate.

 

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Meals or child care while you’re recovering

These “hidden” costs can have a significant impact on your loved ones.
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Pay off debt

Debt does not disappear, whether you are sick or not.

 

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Business coverage

As a business owner and partner, critical illness insurance ensures one partner is not left with heavy financial burdens if the other can work.

Protecting those you love is easy

When you take care of your life, it is easy to protect your loved ones

Step 1

Answer a few simple
questions about you and
your lifestyle

Step 2

Check your Quality of Life Index
to unlock great rates
and personalized advice

Step 3

Simply select the right
insurance plan and apply
online.

What are Sproutt customers saying?

“Everything was done digitally, I was able to get life insurance at this time of COVID 19 without having to leave the house without going to the doctor’s office.”

Gino Orvieto, 39
Technical Account Manager, Florida

Excellent 

5_stars
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