Cancer Insurance
Cancer-specific benefits that can help with covered treatment and related costs.
Explore cancer insurance
Critical Illness Insurance
More room to focus
on what matters.
A potential lump-sum benefit when a diagnosis meets the policy’s covered-condition definition.
Your healthYour incomeYour family
Explore your optionsCritical Illness Insurance
A diagnosis can change your priorities.
Critical illness insurance may provide a lump-sum payment after a diagnosis that meets the policy's definition of a covered condition. That payment can help with medical cost sharing or everyday expenses while you focus on care. Review the covered conditions carefully: a serious diagnosis does not automatically qualify, and benefits depend on the selected coverage.
Make it relevant to you
Look at the details.
See how they fit.
A qualifying lump-sum benefit may create flexibility at a difficult time. The starting point is understanding exactly which conditions and definitions apply.
A question to bring:
Which ongoing responsibilities would you want help maintaining?
Three things to discuss.
- Check the exact diagnosis definitions and benefit amounts.
- Review exclusions, waiting periods and any optional coverage.
- Ask about eligible family members and continuation terms.
Supplemental coverage does not replace comprehensive medical insurance. Availability, eligibility, enrollment, benefits and continuation options depend on the insurer, policy, state and any employer arrangement. Ask HQINS about the options available to you.
Know what you’re considering
Clear answers.
Better conversations.
Does it cover every serious illness?
No. Only conditions meeting the policy's definitions qualify.
Is cancer always included?
No assumption should be made; review the particular policy and riders.
Is payment limited to medical bills?
A benefit paid to you can help with other expenses under the policy's terms.
Your next step starts here
Let’s make this
personal to you.
Start with your needs and the coverage you already have. Call HQINS to discuss availability, policy details and the next step.
info@hqins.com · Chino Hills, California