Critical Illness Insurance

Beneficios por enfermedad crítica

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Beneficios por enfermedad crítica

What Is Critical Illness Insurance?

Critical Illness insurance* (CI) helps protect your employees against the financial burden that serious illness-related costs can create. Critical Illness insurance can also be layered with other benefits without offsets, including traditional healthcare insurance, to help maximize claim payouts. When combined with Accident insurance o Hospital Indemnity insurance, CI offers employees an affordable, complete benefits package with the option of little or no additional cost to your company.
Critical Illness Insurance

Learn More About Critical Illness Benefits

Discover how our Critical Illness Benefits can support your employees in this video.

Why Employees Need Critical Illness Insurance

Critical Illness insurance helps relieve financial strain for employees in the event of a covered serious illness. Claims payments are made in lump sums for eligible conditions. The funds can help cover deductibles, copays and other expenses not covered by most medical plans.
Heart disease, stroke and other cardiovascular diseases cost $214 billion a year in the U.S. health care system.1 And, nearly one in three U.S. families choose not to seek medical care due to cost.2 Critical Illness insurance can help alleviate these costs, making it more likely that your employees will seek care without delay if they have a serious illness. With early detection and quick treatment, the chances of survival are greatly improved.3

What Critical Illness Insurance Covers

Our Critical Illness insurance with enhanced severity-based benefits provides greater protection. That means payments are available for more conditions across multiple coverage categories and life stages. With improved claim approval rates, we’re able to offer maximum value for your eligible employees.

Severity-based Benefits

Severe illnesses typically have high treatment costs. Our enhanced levels of severity for many conditions offer employees more benefits to pay for critical care.

Partial Payment Benefits

Benefits in varying percentages are payable for less severe conditions and diagnoses.

Available Coverage Categories

  • Cancer & Benign Tumor
  • Heart & Vascular
  • Major Organ
  • Neurological Conditions
  • Chronic/Progressive & Infectious Conditions
  • Functional Loss & Catastrophic
  • Child Conditions
  • Occupational Diseases
  • Additional Benefits

Critical Illness Insurance Is Flexible

Critical Illness insurance is available with affordable group rates on a guaranteed issue basis and without waiting periods.5 It also includes:
  • Easy payroll deduction of premium payments
  • Composite rates by coverage tier (Employee Only, Employee and Spouse, Employee and Child or Family; other coverage tier configurations available)
  • Benefit option amounts for the employee and any dependents
Get the facts about Critical Illness plans from The Hartford’s Employee Choice BenefitsSM.
Claims Integration and Proactive Communications

Claims Integration and Proactive Communications

Discover how Claims Connections can help amplify the value of Supplemental Health benefits for you and your employees.
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This limited benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage.
In New York: This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
*Critical Illness is referred to as “Specified Disease” in New York.
Critical Illness Form Series includes GBD-2600, GBD-2700, GBD-3600, GBD-3700, or state equivalent.
1 Centers for Disease Control and Prevention, last reviewed January 12, 2021.
2, 2020 Health Care Survey, March 12, 2020: viewed as of December 1, 2021.
3 Centers for Disease Control and Prevention, Stroke Facts, last reviewed May 25, 2021.
4 Extended continuation may be offered instead of portability in some states.
5 Benefits payable will be subject to the policy’s Pre-existing Conditions Limitation.
Services are offered through vendors which are not affiliated with The Hartford and these services are not insurance. The Hartford is not responsible and assumes no liability for the goods and services described in this material and reserves the right to discontinue any of these services at any time. Services may vary and may not be available in all states. Visit for more information.
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company under the brand name, The Hartford,® and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at Todos los beneficios están sujetos a los términos y condiciones de la póliza. Policies underwritten by the underwriting company listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.