Critical Protection & Recovery
Help covering out-of-pocket expenses when critical illness strikes.
As health care costs continue to rise, the value of supplemental insurance coverage becomes more important.
Our coverage helps protect an employee’s and their family’s assets in the event of a critical illness.
We offer two different critical illness policies – Critical Illness and Cancer, a lump sum policy that is part of our Prestige series, and Critical Illness Insurance through our Premier series. Both deliver peace of mind by helping employees and their families cover a variety of expenses.
Affordable Cancer, Heart Attack & Stroke Insurance Coverage Plans in Mebane, Burlington, Graham, Durham, Raleigh, Greensboro and Charlotte NC.
ManhattanLife offers an Critical Protection & Recovery plan
which provide an important safety net beyond traditional health insurance. You choose how to use your Lump Sum benefits and how to address the financial consequences of a critical illness diagnosis.
In addition, Manhattan Life also offers Cancer Care Plus
which provides additional coverage for dread diseases including muscular dystrophy, epilepsy, meningitis, and multiple sclerosis.
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Critical Illness Protection
Our Premier Critical Illness coverage is a critical protection and recovery plan that helps employees and their families manage the expenses associated with critical illness so they do not suffer unnecessary hardships.
SEPARATE CANCER POLICIES ARE AVAILABLE:
Critical Illness with Cancer
Our Critical Illness and Cancer Policy helps to protect an employee’s and their family’s assets in the event of a critical illness. It offers valuable peace of mind from the rising costs of specialized healthcare, which are not offered by ordinary health insurance.
37 seconds
One person in the U.S. dies from cardiovascular disease every 37 seconds in the U.S.
$219B
The annual cost of heart disease in the U.S. in 2015 was $219 billion.
1 in 4
One in four Americans die from heart disease each year, approximately 647,000 people annually.
Critical Illness Protection
CONDITIONS PREMIER CRITICAL ILLNESS COVERS
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Heart attack
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Major third-degree burns
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Paralysis
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Stroke
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Major human organ transplant
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End-stage renal failure
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Coma
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Coronary artery bypass surgery
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Cancer
PREMIER CRITICAL ILLNESS PAYS
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First occurrence benefit (FOB)
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Monthly income benefit
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Recurrence benefit
ALSO INCLUDED IN PREMIER CRITICAL ILLNESS
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Hospital confinement benefit
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Ambulance benefit
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Transportation benefit
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Lodging benefit
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Waiver of premium benefit*
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Portable
*Does not apply in NJ
Critical Illness with Cancer
USE CRITICAL ILLNESS AND CANCER LUMP SUM FOR
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Out-of-pocket medical care costs
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Home healthcare
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Travel to and from treatment facilities
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Training and rehabilitation
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Loss of income due to absences from work (employee’s or family members’)
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Childcare
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Other expenses
PLAN BENEFITS
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Pays up to three lump sum benefits (four with the Recurrence Benefit)
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Pays regardless of other coverage
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Covers vascular conditions, cancer, and other critical illness
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All benefits are paid directly to the insured
$53,384
The median hospitalization cost for a heart attack in the U.S. is $53,384, and the median hospitalization cost for a stroke is $31,218.
Critical Illness Stats
805,000
Every year, more than 800,000 Americans suffer a heart attack. Today, more than 90% survive
$40B
Heart failure accounts for more than one million hospitalizations a year in the U.S., and costs nearly $40 billion annually.
Critical Illness Protection
Help covering out-of-pocket expenses when critical illness strikes.
As health care costs continue to rise, the value of supplemental insurance coverage becomes more important.
Additional Information
Benefit exclusions and limitations may apply to the policy. For costs or complete details of coverage, contact your agent or the Company.
Sources for statistics: Centers for Disease Control and Prevention – National Center for Health Statistics; Harvard Health Publishing; American Heart Association