Critical Illness

Help Beyond the Diagnosis

Cancer, heart attack, stroke. Treatment is only part of the battle. Critical illness coverage pays you a lump sum on diagnosis so you can focus on getting better, not on how you’re going to pay for it.

Coverage Overview

How Critical Illness Coverage Works

One diagnosis triggers a single lump-sum payment you can use however you need, medical or not.

Why It Matters

Serious Illness Costs More Than You'd Expect

Health insurance covers medical bills. It doesn’t cover lost income, household expenses, or the hundred small costs that pile up during treatment. Critical illness fills that gap.

Medical bills remain a leading cause of bankruptcy
Out-of-pocket costs can run tens of thousands even with insurance
Missed work can double the financial strain
Specialized treatment often means travel and extra expenses
Cash lets you make choices, not sacrifices, during recovery

Members also get our free Catch Health RX Card for prescription savings and Lifemart discounts on everyday purchases. Meaningful value beyond the policy itself.

How We Help

Real Guidance. Real People.

From choosing coverage to using it, we’re here to help you make confident decisions at every stage.

Your Agency for Life

Choosing coverage is just the beginning. We’re here to help you navigate coverage, adapt as life changes, and feel confident in the protection you carry every day.

We Break Down the Details

Every policy has fine print, limits, deductibles, exclusions, and pricing differences that aren’t always obvious upfront.

We walk through how this coverage actually works, what affects the cost, and what you can expect if you ever need to use it. The goal is clarity, not confusion.

We Look at the Bigger Picture

This coverage is one piece of your overall protection.

We help you see how it fits with what you already have, whether that’s other policies, bundled options, or existing protections, so everything works together the way it should.

We Go Beyond the Policy

Coverage doesn’t have to stop at protection alone.

As a Catch member, you may also have access to perks, savings opportunities, and rewards that add practical value beyond the policy itself. It’s about getting more from what you’re already paying for.

We Stay In Your Corner

Deciding on coverage isn’t the end of the conversation.

If you need to make changes, review options, or revisit your policy down the road, we’re here. You won’t be navigating updates or renewals on your own.

Common Questions

What People Usually Ask

A few things most people want to understand about critical illness coverage.

What illnesses are covered?

Most plans cover major conditions like cancer, heart attack, stroke, and kidney failure. Some cover more. We'll go over the specific list on any plan before you commit.

How does the payout work?

Once you have a qualifying diagnosis, the plan pays a lump-sum benefit directly to you, tax-free in most cases. No requirement to spend it on medical costs.

Do I need this if I have health insurance?

Health insurance covers treatment costs. Critical illness covers everything else. Lost income, bills, travel, and recovery expenses. They work together.

Does it cover a second diagnosis?

Some plans pay out only once, others offer additional benefits for unrelated conditions. An agent can walk you through the differences.

How much coverage should I get?

Enough to cover a few months of bills, a deductible or two, and some runway if you can't work. We'll help you land on a number that makes sense for your situation.

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