Critical Illness Insurance

Critical illness insurance made easy.

Critical illness insurance provides a cash benefit if you experience a covered illness. With affordable rates, a fast online application, and flexible policies, Breeze makes it easy to find personalized coverage that works for you.

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Individual Critical Illness Insurance

Here's how it works.

  1. Find out if you can get covered.

    Check your rates, complete our simple online application process, and get a fast coverage decision.

  2. Please don't get sick, but if you do...

    If you learn you have been diagnosed with a covered illness, simply file a claim for your critical illness insurance benefits.

  3. Receive your cash benefit.

    Get a one-time lump-sum payment to help cover out-of-pocket expenses. It's tax-free money to use how you want.

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Breeze made this whole process easy, quick turnaround! Highly recommend this service to anyone. Thanks, Breeze!!

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Critical Illness Insurance Rates

Get an individual critical illness insurance quote.

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Online Application

Like your rate? You'll love our online application.

Once you find a monthly premium amount that works for your budget, all you have to do is complete our simple online application process.

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Breeze made this whole process easy, quick turnaround! Highly recommend this service to anyone. Thanks, Breeze!!

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Get Answers ASAP

Your coverage decision is on the way.

We use technology to provide faster coverage decisions than other providers, so you can expect to hear from us ASAP. In fact, eligible applicants will receive an instant offer.

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Filing a claim

Illnesses are expensive. Get help covering the costs.

Use your cash benefit to help pay health insurance deductibles and copays, replace lost income from missed work, cover everyday expenses, and finance experimental treatments and travel.

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First-Class Service

Tech-savvy insurance pros here to help.

Questions about your application? Or critical illness insurance in general? Help from an insurance expert is just a text, call, or email away.

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Apply for critical illness insurance online.

(Seriously, it’s a breeze.)
Everything you need to know

Critical Illness Insurance
Resource Center

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What is critical illness insurance?

Critical illness insurance is a type of supplemental coverage that pays a lump sum benefit if you are diagnosed with a covered illness. It is designed to cover the cost of treating and recovering from expensive illnesses and procedures. These include heart attacks, strokes, and cancer. Critical illness insurance can pay for costs not covered by health insurance, such as deductibles and out-of-pocket costs. You can also use the funds for travel expenses and your regular bills.

Learn more about the basics of critical illness insurance here.
How does critical illness insurance work?

Critical illness insurance provides a one-time payment based on the contractual benefit, though it may be less depending on the severity of your condition. Individual policies generally do not require underwriting, except for a series of yes-no questions to record any pre-existing conditions. If, however, you are seeking higher amounts of coverage, you may be subjected to full underwriting.

Learn more about how critical illness insurance works here.
Is critical illness insurance worth it?

You should consider getting critical illness insurance as early as possible. Life can change for anybody. You may not be able to prevent the worst from happening. But you can minimize the financial impact by insuring your health, your income and your life. If group CII is not available to you, you can buy an individual policy from a number of insurance companies that offer health, disability and/or life insurance. Several life insurance policies offer critical illness coverage as an optional rider.

Learn more about why critical illness insurance is worth it here.
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Individual critical illness insurance

The primary benefit of an individual critical illness insurance policy is that it can be better customized to meet your personal needs. If you do not have access to group coverage through your employer, an affordable individual policy can be purchased on your own. Putting an individual critical illness insurance policy in place may be a worthwhile investment if you have a high-deductible health insurance plan or do not have sufficient emergency savings.

Learn more about individual critical illness insurance.
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Group critical illness insurance

More and more employers offer group critical illness insurance as a way to protect employees from the high cost of certain illnesses. According to the Society for Human Resource Management, about 25 percent of employees include CII in their benefits packages. A number of insurers offer employer-sponsored group CII plans. Some even enable companies to tailor their plan to match the specific needs of their workforce.

Learn more about group critical illness insurance.

Apply for critical illness insurance online.

(Seriously, it’s a breeze.)