You’re rushed to the hospital for treatment.
Explore plans for critical illness insurance plans
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Call 800-619-0575
For TTY devices, dial 711
Hours of operation for IHC Specialty Benefits
Note: Days and times may vary.
What’s critical illness insurance?
It’s coverage that can provide a lump-sum payment when you’re diagnosed with specific critical conditions such as heart attack, stroke and organ failure.
This can let you focus on recovery instead of worrying about medical bills. You won’t need a medical exam after you apply for coverage.
When the illness is cancer
Depending on your plan, you may have coverage for skin cancer and cancers that don’t spread. For other types, consider for more information about cancer insurance.
Who it can help
You may want to consider critical illness insurance if:
- You have a family history of heart attacks or strokes.
- You have risk factors like high blood pressure or high cholesterol.
- You’re the primary source of income for your household.
- You have a high-deductible health plan.
Why get insurance through USAA?
With Aflac, we’ve chosen plans specifically for our members.
We also work closely with companies like IHC Specialty Benefits to make sure they give you the same service you’d get from us.
Is critical illness insurance worth it?
Medical bills are the leading cause of bankruptcy in the U.S., according to a study by the American Bankruptcy Institute. Knowing you’re prepared for a major health issue can help give you some peace of mind.
Based on your age and location, you can apply for a critical illness insurance plan for as little as $18.40 a month. See note 1
How does critical illness insurance work?
Steps to complete How does critical illness insurance work?
Critical illness insurance FAQ
Yes, but your premium will be higher.
You can, but there may be limitations. For example, coverage may not be available if you’ve had treatment for the illness within the last 5 years.
Certain preexisting conditions may also affect the amount of your lump-sum payout.
Aflac will pay you directly if your claim is approved.
When Aflac approves your claim, they’ll pay you directly. For a faster claim payment, you can set up direct deposit.
We work closely with companies like IHC Specialty Benefits and Aflac to help you find the right policy to fit your needs.
Aflac has been offering policies for critical illnesses since 1957. They know how to help patients with the financial challenges of illness.
These companies also provide the same level of service you’d get from us.
Need primary health insurance?
Your wallet is better protected when you have both a primary policy and supplemental health gap insurance.
Start with a primary plan that meets your specific needs.
Help ease the financial impact of a critical illness.
To discuss your plan options, call a licensed sales agent.
Explore plans
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Call 800-619-0575
For TTY devices, dial 711
Hours of operation for IHC Specialty Benefits
Note: Days and times may vary.
