Critical illness can be difficult – financial recovery doesn’t have to be. When a serious illness strikes, help your employees focus on getting better, and worry less about medical bills. Even with medical coverage, out-of-pocket expenses such as travel, room and board, childcare or treatment options can quickly add up. Voluntary benefits such as critical illness coverage can offer a cost-effective solution and bolster your organization's benefit package. They also give employees more control over their coverage and can help them feel more comfortable with choosing a high-deductible health plan.
How it Works for your Employees
- Pays a lump-sum to the covered person (or their designee) for diagnosis of a covered critical illness or specified disease condition.
- No restrictions on how the money can be used and, depending on plan design, coverage can provide additional protection for later diagnosed conditions.
- Separate from a medical plan. Employees do not have to be enrolled in a medical plan to elect critical illness insurance.
- Cost-effective coverage. Benefits offered on an employee-paid basis, but employees sign up at economical group rates – so they may pay less for coverage than if they purchased coverage individually.
- Maximize employee benefit payments with Cigna Simple File®. Auto compare – we carefully review Cigna medical claims and remind employees to submit their eligible accidental injury claim. Auto claim – for employees who also have Cigna's disability, life and/or AD&D coverage – we'll automatically file their eligible critical illness claim (based on claim data) for so they don't have to.
- Convenience. No copays, deductibles, coinsurance restrictions or network requirements to worry about and insurance premiums can be deducted from employee paychecks.
- Benefits are portable. Employees can keep their coverage if they leave their employer.1
Value-add Programs and Services
With Cigna Critical Illness insurance, your employees and their families have access to a suite of programs and services available for use at any time.2
- Cigna Healthy Rewards® Program – Discounts for employees and their family members on a variety of health and wellness products and services.
- Cigna Identity Theft Program – Identity theft prevention and resolution services including personal assistance, guidance and tools to help prevent identity theft in the future.
- CignaWillCenter.com – Online tools to create state-specific legal documents for wills and powers of attorney and resources for estate and funeral planning.
- Health Advocacy – Personalized assistance to help employees and family members (including parents and parents-in-law) navigate a wide range of health care and health insurance challenges.3
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Group Critical Illness insurance is offered by Life Insurance Company of North America, except in NY where policies are insured by Cigna Life Insurance Company of New York (New York, NY).Plans may not be available in all areas. All group insurance policies may contain exclusions, limitations, reduction of benefits, and terms under which the policies may be continued in force or discontinued. For costs and complete details of coverage, contact your Cigna representative. Policy forms: GCI-00-1000, GCI-02-1000, GCI-00-0000.OR, GCI-02-0000.OR et al.
1Under most plans, coverage is portable and ends at age 100
2These programs are NOT insurance and do not provide reimbursement for financial losses. Program availability may vary by plan type and location and is subject to change. Employees are required to pay the entire discounted charge for any discounted products or services available through these programs. Programs are provided through third-party vendors who are solely responsible for their products and services. Presented here are only the highlights of these programs. Full terms, conditions and exclusions are contained in the applicable client program description and/or vendor service agreement.
3This program is available at the option of the employer for an additional cost and not available to Health Advocate, Inc. existing clients.
Group Critical Illness insurance is offered by Life Insurance Company of North America. Plans may not be available in all areas. All group insurance policies may contain exclusions, limitations, reduction of benefits, and terms under which the policies may be continued in force or discontinued. For costs and complete details of coverage, contact your Cigna representative. Policy forms: GCI-00-1000, GCI-02-1000, GCI-00-0000.OR, GCI-02-0000.OR et al.