How the money can help
The benefit is paid to you, not to a hospital, so you decide how to use it: deductibles, travel for treatment, household bills or time away from work to recover and be with family.
How it fits with health insurance
Critical illness coverage adds to your health insurance; it does not replace it. Health insurance pays providers for care, while this pays you cash when a covered diagnosis happens.
What to compare
Check which conditions are covered, how much of the benefit each one pays, any waiting period after you enroll, and whether a second diagnosis can be paid.
Limited-benefit supplemental insurance, not major medical insurance or a Medicare supplement.
Benefits included in the plans shown
These riders and benefits are included in the selected product packages where eligible. Each plan has its own conditions.
Allstate / American Heritage Life: Included Skin Cancer Rider
The listed critical-illness plans include a $250 Skin Cancer Rider (GCIP4SCR).
Covers the stated basal-cell and squamous-cell diagnoses; no payment within 365 days of a prior payment. Malignant melanoma and the listed pre-cancerous and other excluded conditions are not covered by this rider.
Allstate / American Heritage Life: Included annual wellness benefit
The listed critical-illness plans include a $50 annual Fixed Wellness Rider (GCIP4FWR) for an eligible screening or test.
Once per covered person per calendar year for one of the 24 listed wellness services or tests. The source list and policy conditions govern.
Allstate / American Heritage Life: Included premium waiver for the employee
The listed critical-illness plans include Waiver of Premium for the employee.
Requires 90 consecutive days of disability due to a critical illness or specified disease; employee only, subject to policy terms.
Eligibility, exclusions, state variations and the original policy or certificate govern.
Questions to ask yourself
- Could I handle my deductible and lost income if I were seriously ill?
- Which conditions run in my family?
- Would I rather have a lump sum or ongoing payments?
How we help you choose
We compare plans from the established carriers we are contracted with. On a short call, we learn what you want to protect, narrow the choices to the ones that genuinely fit, and show them to you side by side, in plain English.
Ready to see your options side by side? Request a call. It's free, and there's never any obligation.