There can be a lot of expenses associated with a critical illness and a major medical plan may not cover them all. Critical Illness coverage with Cigna pays cash directly to you, the Employee, upon a diagnosis of a critical illness.

You have the option to select the tiered coverage amount of your choice with no pre-existing condition limitations. Employees can elect up to $30,000 in guaranteed issue coverage. Spouses and Child(ren) will be offered 50% of the Employee’s coverage amount. An Employee must elect coverage for Dependents to elect coverage as well.

Wellness Benefit: $50 per insured Employee or Covered Dependent per year for completing routine wellness screenings.

Below is an example of how the Critical Illness Plan works.

Donna’s life is turned upside down when she suffered a heart attack which was followed by a stroke only a month later. Not only did she miss work, but so did her husband to help her during her recovery. Their income took a hit and bills piled up. Donna had enrolled in Cigna’s Critical Illness plan with a $30,000 Benefit Amount per diagnosis. She received a total benefit payment of $60,000 in her family’s greatest time of need.