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Even if you have a High Deductible Health Plan, or traditional medical insurance, you may not be covered for all of the expenses related to the treatment and recovery from a major illness. Combined with Accident or Disability insurance, Critical Illness insurance can help ensure you’ll be better prepared to cover out-of-pocket expenses in the event of a serious illness. 

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Q: How much Critical Illness coverage am I able to purchase?

First decide who do I want to cover? Just myself, myself and my spouse, myself and my children, or my entire family? 

You do NOT need to cover the same dependents you cover under your medical plan. 

There are three levels of coverage available to Federal Employees:

  • Employee: $10,000; $20,000; or $30,000
  • Spouse: same level as Employee
  • Dependent children: $5,000 with any selected coverage amount.