Group Critical Illness Insurance
Help your clients cushion the financial impact of an employee’s life-changing diagnosis.
Top 3 reasons to offer supplemental insurance products to your clients
Helps clients address coverage gaps
Expand your product offerings
Differentiate your business and strengthen client relationships
Key plan features
Guaranteed issue
No networks or coordination of benefits, so members can use their preferred providers
Support service coverages, including parent diagnosis and transportation(1)
Innovative riders for severe mental illness and gene therapy(1)
Family coverage available
How Critical Illness Insurance works
A 45-year-old woman is diagnosed with invasive cancer.
Invasive cancer (100% of policy face amount) $20,000.
Total Benefit Payout:
$20,000*
*Payout examples are for illustrative purposes only and are not guaranteed. Actual benefits may vary based on the plan selected and individual claim circumstances. Terms, conditions, limitations, and exclusions apply. Refer to the policy for complete details.
Seamless claims. Better member experience.
Deliver a better benefits experience with EssentialPay(2), BCS’s seamless claims integration approach. Members are automatically alerted when a qualifying claim is received, and claims can even be submitted on their behalf.
How benefits are paid
Benefits are paid directly to the insured. Payments can be used for medical copays and deductibles, as well as transportation, childcare, housekeeping help, or more.
Top questions about Group Critical Illness Insurance
Critical Illness Insurance is supplemental to a primary health plan and helps your clients pay for out-of-pocket medical and non-medical costs resulting from a critical illness diagnosis. The plan provides lump-sum cash benefits that are paid directly to the insured employee, not doctors and hospitals.
Group Critical Illness Insurance is a simple way for clients to offset employees’ unexpected out-of-pocket costs following a covered critical illness diagnosis.
Critical Illness Insurance may provide benefits for covered conditions such as cancer, heart attack, stroke, sudden cardiac arrest, major organ failure, ALS, multiple sclerosis, and other serious illnesses. Benefits may also be available for covered childhood conditions, including cystic fibrosis, Down syndrome, spina bifida, and Type 1 diabetes.
(1) Not all products and benefits available in all states. Exclusions may apply. See policy certificate for details.
(2) EssentialPay: Not available across all product lines. EssentialPay is not a guarantee of claims payment. Claims will be reviewed for potential benefits and paid subject to the terms and conditions of the group policy documents. Additional medical records and proof of claim may be required.