Critical Illness
As part of an individual supplemental health plan, critical illness insurance is designed to help individuals and families cover some of their unplanned expenses resulting from unexpected illnesses or medical conditions. Insureds are free to use the benefit payments however they wish. It provides a one-time cash benefit when the receive a diagnosis of a covered illness helping policyholders focus on their recovery.
Illnesses Covered
Arch Insurance’s critical illness coverage may help with the following illnesses:
- Cancer
- Heart Attack
- Stroke
- Kidney Failure
- Major Organ Transplant
- Multiple Sclerosis
- Coronary Artery Bypass Surgery
- Alzheimer’s Disease
- Lou Gehrig’s Disease
- Ruptured Aneurysms
Insurance Plans & Benefits
This type of coverage is only available in plans that include other benefits, including Accident Medical Expense (AME) or Hospital Indemnity.
| Plans | Benefits |
|---|---|
| Accident Medical Expense and Critical Illness | Excess* AME Available Benefit Amounts: $2,500 | $5,000 | $7,500 | $10,000 Available AME Deductible Options: $100 | $250 Critical Illness Available Benefit Amounts: $2,500 | $5,000 | $7,500 | $10,000 |
| Accident Medical Expense, Critical Illness, and Hospital Indemnity | Excess* AME Available Benefit Amounts: $2,500 | $5,000 | $7,500 | $10,000 Available AME Deductible Options: $100 | $250 Critical Illness Available Benefit Amounts: $2,500 | $5,000 | $7,500 | $10,000 Hospital Cash Available Daily Benefit Amounts: $100 | $250 | $500 ICU Available Daily Benefit Amounts: $100 | $250 | $500 Available Hospital / ICU Benefit Periods: 10 Days | 30 Days |
| Critical Illness and Hospital Indemnity | Critical Illness Available Benefit Amounts: $2,500 | $5,000 | $7,500 | $10,000 Hospital Cash Available Daily Benefit Amounts: $100 | $250 | $500 ICU Available Daily Benefit Amounts: $100 | $250 | $500 Available Hospital / ICU Benefit Periods: 10 Days | 30 Days |
*May vary by state.
Notice: This is a brief description of coverage provided and is subject to the terms, conditions, limitations and exclusions of the policy. Please see the policy for complete details. Coverage may vary or may not be available in all jurisdictions. In the event of any conflict between this summary of coverage and the policy, the policy will govern. The policy is a short-term policy, with limited benefits. This insurance is not an alternative or replacement to comprehensive medical or major medical coverage. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.
Insurance Rates and Costs
Rates vary by state and age. Contact us and one of our team members would be happy to walk you through several scenarios based on your business and your clients.
For Producers
This product was designed for insurance brokers to offer their clients an additional layer of supplemental health protection, bolstering their existing plan offerings. Powered by our new and innovative technology, quoting and digital marketing is now seamless and adding this product to your portfolio makes sense. We hope you will join us in our quest to change the supplemental health insurance with this product offering, one family at a time.
Enrolling Clients
Our cutting-edge technology empowers distribution partners to seamlessly promote and sell our products. With an innovative Arch APEX digital marketing platform, brokers can tailor proposals within minutes. Clients can then self-enroll or purchase through their broker. Branded to their agency’s identity, our enrollment engine provides a personalized touch point for clients, enhancing trust and engagement. Through digital marketing campaigns and social media outreach, brokers can drive traffic to their branded enrollment link, reaching new customers and growing their business.
Get A Quote
Get a quote from Arch Insurance’s Accident and Health division for coverage relating to accident, disability and travel insurance products.