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Critical Illness Insurance

Additional coverage to help with out-of-pocket costs resulting from an unexpected critical illness.

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Critical illness can be difficult – 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. Supplemental health benefits such as critical illness coverage can offer a cost-effective solution to provide the additional coverage employees and their families need to bounce back from a health setback so they can be whole again – body, mind and wallet.

How it Works for your Employees

  • Pays a lump-sum to the covered person 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.
  • Supplements your medical plan – Benefits are separate from medical plan, do not coordinate, and are paid directly to you.
  • Cost-effective coverage. Benefits offered on an employee-paid basis and employees sign up at economical group rates – so they typically pay less for coverage than if they tried to purchase coverage individually.
  • Maximize employee benefit payments with Cigna Simple File®.
    Auto compare* For customers who also have Cigna’s medical coverage, 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) coverage – 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 premiums are deducted from employee paychecks.
  • Benefits are portable. Employees can keep their coverage if they leave their employer.1

Educational Resources

Supplemental Health Plans Provide Peace of Mind [PDF] Critical Illness Can be Difficult [PDF] Cigna Supplemental Health Solutions Resources for Employees

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 Advantage 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 Services3
    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. It also includes Medical Bill Saver – a service to help negotiate discounts on out-of-pocket medical expenses.

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. Some restrictions may apply. Programs are provided through third party vendors who are solely responsible for their products and services. Full terms, conditions and exclusions are contained in the applicable client program description, and are subject to change. Program availability may vary by plan type and location, and are not available where prohibited by law. Contact your Cigna representative for details.

3This program is available at the option of the employer for an additional cost and not available to Health Advocate, Inc. existing clients.

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Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of Cigna Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna.

All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico.

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