Critical illness insurance from Cigna pays you a lump sum if you’re diagnosed with a covered condition such as cancer, a heart attack or a stroke. The money goes straight to you and doesn’t depend on your medical bills. It’s voluntary, and you pay through payroll.
Coverage amounts
Choose $10,000, $20,000 or $30,000. Your spouse and children are covered at 50% of your amount.
What it pays
- 100% of your amount: invasive cancer, heart attack, stroke, benign brain tumor, coma, paralysis, end-stage renal disease, major organ failure, ALS, Alzheimer’s, Parkinson’s, MS, blindness, and loss of hearing or speech. Covered childhood conditions also pay 100% for children.
- 50%: coronary artery disease
- 25%: carcinoma in situ, aneurysm, heart failure, infections such as sepsis or meningitis, pulmonary embolism, Crohn’s disease and advanced obesity
Skin cancer pays $1,000 and a cancer second opinion pays $500, each once per lifetime. Many conditions pay again at the same percentage if they come back after you’ve been treatment-free.
Wellness and portability
You’ll get $50 once a year for completing a covered health screening. The coverage is portable, so you can keep it if you leave Petfolk.
What you pay each paycheck
Your cost depends on your age and the amount you choose.
