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Employee Critical Illness Insurance

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Spotlight on: Critical Illness Coverage

You may assume you have coverage for serious medical emergencies through your regular health insurance, but treatment costs for life-threatening conditions are often subject to large deductibles and out-of-pocket coinsurance.

With a critical illness policy in hand, you can worry less about financial hardship and focus on getting better.

Whether you’re looking for critical illness coverage for yourself or your employees, Higginbotham is here to help.

With Higginbotham in your corner, you can rest easy knowing you’re working with insurance professionals who will help design a critical insurance policy around your employees’ needs.

Working with Higginbotham, you’ll enjoy:

  • A local broker who understands your needs
  • A single source provider for all your insurance needs
  • A team of seasoned specialists who deliver year-round value
  • A business with national reach and a personal touch


Why work with Higginbotham?

As a company that leads with values, we work to understand your priorities so we can get your employees the coverage they need for the peace of mind they deserve.

Whether you’re looking for a single policy or looking to expand your employee benefit offering for your business, our approach to finding solutions is more individual and less institutional. We design custom coverage on day one and deliver year-round value with our Day Two Services®. Committed to both transparency and authenticity, our goal is to exceed your expectations every time—for a lifetime.

To learn more about how our values-based approach drives value for you and your employees, click here.

Or visit our Insights page to learn more about what critical illness insurance covers.


The bottom line? We’re here to give you and your employees peace of mind.

Give us a call today to find out more about what Higginbotham can do for your business.

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We had worked with a small broker who handled our renewal each year. I never got the feeling he was working for us. We knew we needed someone to look out for our best interest, and they saved the day.

Monique D.
Controller, Staffing Industry

Critical Illness Insurance from Higginbotham

At Higginbotham, we start with listening and end with customized solutions.

After taking the time to get to know you by name, need and nuance, we present options for critical illness coverage designed to help with your employees’ medical costs incurred because of a significant health emergency.

Some examples of covered conditions include:



Brain Tumor

Hearing Loss

Organ Failure

Serious Burns

Aplastic Anemia

Coronary Bypass

Alzheimer’s Disease

Motor Neuron Disease

Heart Valve Replacement

Occupational HIV Infection

Bacterial Meningitis

Parkinson’s Disease

Internal Cancer

Heart Attack

Speech Loss

Vision Loss


This list isn’t exhaustive. Some of these conditions may not be eligible for coverage in certain instances, and pre-existing conditions are not eligible for coverage.

Critical Illness Insurance Simplified

Critical illness is something many people will face in their lifetime.

When it comes to planning for these moments, your employees deserve an insurance partner who takes the time to get to know their needs.

Because while insurance is our something, our customers are our everything.

Others who would likely benefit from gap coverage include:

  • Help through the employee application process
  • Coverage designed with your group’s needs in mind
  • A team of professionals standing by to answer your employees’ questions

What does critical illness insurance cover?

A critical illness policy will extend coverage for a broad spectrum of health emergencies in most cases. If you or a dependent is diagnosed with an eligible condition, the benefit payments from a critical illness policy can be quite flexible. There are more eligible expenses not covered on this list.

While many policies place strict limitations on eligible expenses, critical illness insurance lump sum benefits can be applied to a wide range of costs, including:

Out-of-Pocket Medical Expenses

Transportation to Treatment

Specialist Treatments

Mortgage Payments

Rent Payments




How does critical illness insurance work?

Assuming you’re diagnosed with a condition covered by your critical illness policy, benefits are typically paid in a lump sum payment.

Coverage limits can vary considerably, typically topping out around $100,000 on a standard policy.

Critical illness plans are almost always offered as voluntary coverage, with the employee assuming full responsibility for the cost.

Though specific exemptions will vary from policy to policy, most have exclusions for certain types of cancer and select chronic illnesses. In some cases, a recurring illness may not be eligible for a second payout if a claim was made in the past.

Do I really need critical illness coverage?

From those who are young and in good health to those who are nearing retirement with a long history of medical issues, critical illness insurance can be a wise investment.

Considering that outstanding medical bills are listed as one of the most common causes of bankruptcy in the United States, this may be a coverage your employees can’t afford to skip.

Carrying this coverage can help give them the peace of mind knowing they’re prepared in the event they become too sick to work.


How much does it cost?

In most cases, critical illness insurance is relatively affordable.

While costs are generally affordable, the regulations and contingencies governing most plans can make things difficult to understand.

Our approach is that each person’s unique situation deserves unique consideration. So we talk to your group to help determine cost.

Once we understand your employees’ needs, we’re committed to getting your business the employee benefits you need at a price that makes sense for your budget.

Generally, the more conditions a policy covers, the more it tends to cost.

Premium costs are calculated based on factors, including:

  • Amount of Coverage Needed
  • Body Mass Index
  • Smoking Status
  • Current Health
  • Gender
  • Age


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Not sure where to start? Talk to someone who wants to listen.

A great plan starts with a conversation. Let’s talk about what you need.

Talk to an Employee Benefits Specialist

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