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Group Critical Illness Insurance

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Critical Illness Insurance

Additional financial protection to help with out-of-pocket costs from an unexpected critical illness

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 customers to submit their eligible accidental injury, critical illness, or hospital care (indemnity) claim.
    Auto claim* For customers who also have Cigna's disability, life and/or accidental death and dismemberment (AD&D) insurance – we'll automatically file their eligible accidental injury, critical illness, or hospital care (indemnity) claim so they can focus on their health.
  • 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

  • My Secure AdvantageTM
    My Secure AdvantageTM is a full service financial wellness program that offers solutions to all types of personal financial challenges. The program includes access to expert "money coaching" for many types of financial needs, identity theft resolution and protection, online will preparation, educational webinars, access to a library of financial tools, forms and tips, and more.
  • Cigna Healthy Rewards®
    Cigna Healthy Rewards® offers discounts for you and your family members on a wide range of health and wellness products and services, including nutrition and weight management, alternative medicine, fitness and mind/body programs and equipment, hearing and vision care, and more.
  • Cigna Health Advocacy Services
    Cigna Health Advocacy Services offers personalized assistance to help you and your family members, including parents and parents-in-law, navigate a wide range of health care and health insurance challenges.

Learn more about how Cigna can help protect your employees.

Contact your broker or connect with a Cigna representative to learn more about how we can work together.

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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.

*The Simple File process is based on a one-time assessment of the initial claim documentation for the primary claim. Any subsequent events would not be identified.

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.