1.How comprehensive is your critical illness covered condition list, including cancer, heart attack, stroke, organ failure, and advanced conditions?
Core conditions: cancer, heart attack, stroke. Enhanced plans add organ failure, paralysis, coma, ALS, and other advanced conditions.
2.How well does your critical illness lump-sum benefit amount ($10,000–$30,000 typical) address the non-medical costs of a serious illness?
Non-medical costs (lost income, travel, home modification) often exceed medical out-of-pocket costs. Higher benefit amounts provide better protection.
3.How well does your critical illness plan address recurrence benefits for a second diagnosis of the same or a different condition?
Recurrence provisions vary widely. Some plans pay 100% for a recurrence after a waiting period; others pay a reduced amount.
4.How well does your critical illness plan include a wellness/health screening benefit to drive preventive care utilization?
Wellness benefits ($50–$100/year for completing a health screening) are a low-cost enhancement that drives preventive care.
5.How carefully have you reviewed for overlap between your critical illness and cancer insurance products to avoid redundant coverage?
Cancer insurance and critical illness insurance overlap significantly. Offering both without analysis can result in over-insurance.
This tool provides educational decision support only. Results are not legal, tax, actuarial, or insurance advice. Validate all outputs against current plan documents, applicable law, and qualified professional guidance. Scoring version 1.0 · Reference year 2026.
