Critical Illness Insurance

Fast access to a lump-sum benefit

that can be used for medical and non-medical expenses.

Acceptance is guaranteed

No medical exams or health questions.

Coverage available for your spouse/domestic partner and dependent children

to help protect the whole family.

CI Insurance Rate Estimator

Select your age range to view your semi-annual rate. Move the slider to find a coverage amount that fits your needs. All fields are required unless marked optional.
Coverage
Coverage $20,000
Semi-Annual Payment
$69.36

$10,000$40,000

*

Critical Illness Notice

Frequently Asked Questions

A reoccurrence benefit is a part of our standard offering and allows an insured to receive additional benefits for a second diagnosis of a previously covered condition, if more than 180 days after previous benefit payment.

The amount payable for a Reoccurrence of a Critical Illness is up to 100% of the amount paid for the First Occurrence. All benefits are subject to the Lifetime Maximum Benefit of 500% of your coverage amount.

Reoccurrence of a Critical Illness or Procedure means:

  • A person is positively diagnosed by a Doctor as having additional occurrence or reoccurrence of a Critical Illness or Procedure for which a benefit was paid under this Coverage; and
  • The date of the diagnosis of the additional occurrence or reoccurrence is more than 180 days after the date of such prior benefit payment.

Lifetime Maximum Benefit: No more than the Lifetime Maximum Benefit will be paid for all of a Covered Person’s Critical Illness or Procedures. The Lifetime Maximum Benefit for a Covered Person is 500% of coverage amount

The coverage is designed to help mitigate financial struggles when unexpectedly diagnosed with the following life-threatening conditions. The amount payable for a Reoccurrence of a Critical Illness is up to 100% of the amount paid for the First Occurrence. All benefits are subject to the Lifetime Maximum Benefit of 500% of your coverage amount.

100% of the Amount of Insurance payable for:

  • Invasive Cancer
  • Heart Attack
  • Major Organ Failure
  • Stroke
  • Renal Failure
  • Alzheimer’s Disease
  • Severe Coronary Artery Disease
  • Coma
  • Paralysis of Limbs
  • Third Degree Burns
  • Benign Brain Tumor
  • Sickle Cell Anemia (for children)
  • Cerebral Palsy (for children)
  • Muscular Dystrophy
  • Down Syndrome (for children)
  • Spina Bifida (for children)
  • Cleft Lip / Palate (for children)

25% of the Amount of Insurance payable for:

  • Cancer in Situ

$250

  • Skin Cancer

Virginia State Bar members and their spouses/domestic partners who are 54 years old or younger may apply for up to $40,000 of coverage, in $10,000 increments, allowing you to select the right level of insurance protection for yourself. You can keep your coverage even if you change jobs, as long as you remain a member of the Virginia State Bar. You can enroll your dependents only if you’re enrolled. Children, through age 26, are eligible for 50% of the member’s coverage.

**Subject to state of residence.

Even with health insurance, out-of-pocket medical and non-medical expenses such as deductibles or co-pays can really cause financial strain. With Critical Illness, there is no limitation in how you use your benefit payments. The money can be used for anything from home care and treatment, recuperation aid, mortgage payments or rent, child care, over-the-counter medications, groceries, college tuition, or travel to a treatment center.

Benefits are payable directly to you, as per the terms of the policy.

All coverage for Members and their dependents does not require the submission of evidence of insurability. This is called Guaranteed Issue.

National Cancer Institute (NCI) Evaluation

$500 when a covered person seeks evaluation or consultation at an NCI- sponsored cancer center for cancer diagnosis.

$250 for the transportation and lodging of the covered person who is receiving the evaluation/consultation. The cancer center must be more than 100 miles from the covered person's residence.

Payable once per covered person’s lifetime.

Transportation Benefit

Benefit for transportation expenses for the round-trip travel between hospital or medical facility and the residence of the covered person for treatment of Critical Illness: An amount equal to the lesser of:

  1. The actual charges incurred for travel by plane, train, or bus plus $0.50 per mile for travel by personal car, and;
  2. $1,000

The Transportation Benefit is limited to 1 benefit payment per Calendar Year for each Covered Person receiving treatment during that visit.

Excludes hospitals or medical facilities within 50 miles one way, from the covered person’s primary residence.

Lodging Benefit

Benefit for lodging needed in connection with treatment for Critical Illness:

  • $100 per day
  • Limited to 60 days per calendar year per covered person receiving treatment
  • Excludes hospitals or medical facilities less than 75 miles one way, from the covered person’s primary residence
  • Not payable for lodging occurring more than 24 hours prior to treatment nor for lodging occurring more than 24 hours following treatment

A lump sum is paid to the policyholder if he or she is diagnosed with a specific illness stated on The Prudential Insurance Company of America's predetermined list.

Warnings
validation warnings here.