Critical illness insurance pays a full benefit in case of serious conditions like invasive cancer, heart attack, coronary bypass surgery, stroke, Alzheimer’s disease, advanced Parkinson’s disease, kidney failure, paralysis, benign brain tumor, coma, and others. Major organ transplants are also covered unless you’re enrolled in the Saver Plan.
For certain other illnesses, the plan pays 25% or 50% of the full benefit. There are also separate benefit amounts for things like ambulance rides, transportation, and lodging. You’ll find a complete list of covered conditions in the critical illness brochure.