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.
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 issue1
Lump-sum payments with no networks or coordination of benefits
Includes groundbreaking mental health rider to provide coverage for a severe mental illness event
Simplified claims submission with benefits paid directly to the insured
Family coverage available
Customizable plan designs to meet your client’s needs
Target Market
Employer groups with 51+ employees
Minimum participation is 10 enrollees, or 10%, whichever is greater