Critical Illness Insurance in Texas
Lump-Sum Cash Benefits for Life Changing Diagnosis
A serious illness can impact more than your health — it can affect your savings, income, and family. Critical Illness Insurance provides a lump-sum cash payment if you-re diagnosed with a covered condition like cancer, heart attack, or stroke.
What Is Critical Illness Insurance?
Critical Illness Insurance is supplemental coverage that pays a one-time lump sum benefit if you are diagnosed with a covered serious illness.
Unlike health insurance, which pays doctors and hospitals, this policy pays you directly.
You decide how to use the money.
Common covered conditions may include:
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Heart attack
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Stroke
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Cancer
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Major organ failure
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Coronary artery bypass surgery
Benefits vary by plan.
Why Texans 45+ Consider Critical Illness Coverage
As we age, risk of major illness increases.
Even with Medicare or ACA health plan, you still face:
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High deductibles
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Coinsurance
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Travel for treatment
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Time off work
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Home care expense
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Prescription costs
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Household bills during recovery
A lump-sum payout provides flexibility when your focus should be on healing.
How It Works With Medicare & ACA Plans
Critical Illness Insurance does not replace your medical coverage — it enhances it.
With Medicare
Medicare helps cover hospital and medical treatment. However, it does not replace lost income or pay everyday living expenses.
With ACA Marketplace Plans:
ACA plans may have high deductibles and out-of-pocket maximums. A critical illness policy can help offset those financial gaps.
This coverage is designed to protect your savings during recovery.
What Does Critical Illness Insurance Pay?
Depending on the policy selected, benefits may include:
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Lump sum payment upon diagnosis
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Additional payouts for recurrence (if applicable)
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Optional riders for additional conditions
Payments are made directly to you — not the hospital.
You can use the funds for:
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Medical deductibles
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Mortgage or rent
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Utilities
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Groceries
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Travel for treatment
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In-home care
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Lost wages
Real Example
Maria, 58, in San Antonio, was diagnosed with early-stage breast cancer. She had Medicare coverage. but still faced:
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Travel expenses for specialist care
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Prescription costs
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Household bills while recovering
Her Critical Illness policy paid $20,000 lump sum
That helped cover out-of-pocket expenses and allowed her to focus on recovery instead of finances.
Who Is This Coverage For?
Critical Illness Insurance is ideal for:
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People age 45 and older
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Medicare beneficiaries
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ACA policyholders with high deductibles
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Self-employed individuals
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Individuals with family history of serious illness
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Anyone wanting added financial security
If a cancer, stroke, or heart attack diagnosis would strain your finances, this coverage may help.
This is not a call center a license agent will reach out to you about coverage in your area.
Critical Illness Insurance
Be Financially Prepared for the Unexpected
A serious diagnosis can happen without warning. The right coverage can protect your savings and give you options.
No obligation. Fast eligibility review.