Learning of a life-changing illness is hard. Help protect yourself from financial stress so you can focus on yourself.
Critical Illness Insurance, issued by The Prudential Insurance Company of America, offers essential benefits when you need them most. It provides a lump-sum payment when you’re diagnosed with a serious illness. You can’t predict a critical illness like cancer or a heart attack, but you can be prepared and help protect a better tomorrow for yourself and your family.
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Our federal insurance plans allow you to choose an insurance plan that meets your needs. With our Critical Illness Insurance, there’s only one decision, which benefit amount is right for you- $10,000, $20,000 or $30,000.
In the United States, someone has a heart attack every 40 seconds *
How Critical Insurance Works
FedAdvantage Critical Illness Insurance helps federal employees protect their financial stability during tough times when illness or injury keeps you from work.
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You're Diagnosed with a Life Changing Illness
Heart Attack, Cancer,
Multiple Sclerosis, Stroke,
Parkinson's Disease, Coronary Heart Disease, and more.
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FedAdvantage
Steps in to Help
With Critical Illness Insurance, your benefits are paid to you directly upon diagnosis of a covered condition.
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Focus on Getting Well​
Use your cash benefits to help with medical bills, continuing care, or everyday expenses to focus on getter well.
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Peace of Mind Doesn’t Always Have
to be Expensive.
Don't Wait Until it’s Too Late. Help Protect You and Your Family Now!
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Highlights and Brochure Coming Soon
Critical Illness Insurance Frequently Asked Questions
Below you’ll find answers to the questions we get asked the most when inquiring about Critical Illness Insurance
What is Critical Illness Insurance?
Critical Illness Insurance provides a lump sum cash benefit when you or a dependent is diagnosed with a covered critical illness. You and your dependents are eligible for coverage options of $10,000; $20,000; $30,000. Benefits remain payable if a previously covered illness returns, or if diagnosed with a different covered illness.
What does Critical Illness Insurance Cover?
Critical illness insurance provides additional coverage for medical emergencies like heart attack, stroke, or cancer. Critical Illness insurance overs a cash benefit if you are diagnosed with a covered condition to help you offset the higher than average medical costs that come with these medical conditions. To see a list of covered conditions, please refer to our Critical Illness Benefit Highlights.
Is Critical Illness Insurance Available in all States?
Currently Critical Illness Insurance is only available in the following states:
​AL, AZ, CA, CO, CT, DE, DC, GA, HI, IN, IA, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NJ, NY, ND, OH, OK, RI, SD, TN, VA, WV, WI, WY.
​We are working to make the program available in as many states as possible, so please check back to see if your state has been added.
Do I Have to Take a Physical Exam?
No, This coverage is offered on a guaranteed issue basis, so you are not required to take a physical exam or provide medical evidence in order to enroll on our critical Illness program.
Is There a Pre-existing Condition Clause?
When Does the Coverage Become Effective?
You become eligible for benefits under the plan on the date your first premium has been received.
Yes. Only new critical illness that occurs to a covered member on or after the effective date will be covered.
How do I Pay for the Plan?
Premiums are current paid through monthly ACH bank withdrawals.
When Can I Cancel the Plan?
You may cancel the plan at any time. To cancel coverage, please send an email to customerservice@fedadvantage.com.
Didn't Find Your Question?
Related Insurance Insights
Not for residents of New Mexico
Not for use in New Mexico
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The products issued by The Prudential Insurance Company of America may not be available in all states.
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This material may contain marketing language, on products issued by The Prudential Insurance Company of America, that has not yet been approved in all states.
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This coverage is not health insurance coverage (often referred to as "Major Medical Coverage").
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THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.
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Group Accident Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential’s Accident Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and it does not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. Please contact Prudential for more information. Contract provisions may vary by state. California COA #1179, NAIC #68241. Contract Series: 83500.
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