EssentialCare Critical Illness

EssentialCare Group Critical Illness pays a lump-sum benefit upon diagnosis of a covered illness or life-changing health event. Employees can use payments to pay for major medical copays and deductibles, or additional expenses like transportation, child care, and more to help fill gaps in employees’ healthcare coverage.

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Why EssentialCare Group Critical Illness?

Coverage for up to 35 adult and 8 childhood illnesses, plus support service coverages including wellness, dependent adult and child care, and more

Modular, adaptable plan designs can be tailored to complement client need and underlying major medical

All EssentialCare policies are easy to quote and administer thanks to a simple RFQ process, and best-in-class administration and claims adjudication

Key Features

Guaranteed issue

Lump-sum payments with no networks or coordination of benefits

Innovative optional riders extend coverage for severe mental illness and gene therapy*

Simplified claims submission with benefits paid directly to the insured

Family coverage available

Customizable plan designs to meet your client’s needs

*Optional riders subject to state availability and underwriting discretion. Contact BCS for details.

Ideal Market

Employer groups with 51+ employees

Minimum participation is 10 enrollees, or 10%, whichever is greater

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