Lump-Sum ProtectionNo Medical Exam
Bills Don't Stop When You're Sick
A serious diagnosis changes everything — except your expenses. Critical illness insurance pays a lump-sum cash benefit directly to you so you can focus on recovery, not finances.
Get Personalized Options
A licensed advisor will contact you within 24 hours.
Lump Sum
Cash Paid Directly to YouNo Exam
For Many PoliciesAny Use
No Restrictions on SpendingSimple Process
How It Works
From inquiry to coverage in three straightforward steps.
1
Tell Us About Yourself
Share your age, state, and basic info. A licensed advisor will review your needs and find the right coverage options.
2
Answer Health Questions
Complete a short application with basic health questions. No medical exam, no lab work, no doctor visits for many policies.
3
Get Covered
Once approved, your policy is active and stored in your MedaSynq Vault. If you ever need to file a claim, we handle it.
Covered Conditions
What's Covered
Critical illness insurance covers the most common serious diagnoses. Specific conditions vary by policy.
Cancer
Invasive and non-invasive cancer diagnoses, including carcinoma in situ for many policies.
Heart Attack
Myocardial infarction resulting in the death of heart muscle due to inadequate blood supply.
Stroke
Cerebrovascular accident causing permanent neurological damage confirmed by imaging.
Kidney Failure
End-stage renal failure requiring regular dialysis or kidney transplant.
Major Organ Transplant
Transplant of heart, lung, liver, kidney, pancreas, or bone marrow from a human donor.
Coronary Bypass
Open-heart surgery to correct narrowing or blockage of one or more coronary arteries.
Why Critical Illness
Protection When It Matters Most
Health insurance covers your treatment. Critical illness insurance covers everything else.
Lump-Sum Cash Payment
Receive a one-time payment directly to you — not your doctor or hospital. Use it however you need.
Use It for Anything
Mortgage, rent, groceries, childcare, travel for treatment, experimental therapies — there are no restrictions.
Supplements Health Insurance
Covers the gaps your health insurance does not — deductibles, copays, lost income, and non-medical expenses.
No Medical Exam for Many Policies
Answer health questions during your application. No needles, no lab work, no doctor visits required.
Common Questions
Frequently Asked Questions
Everything you need to know about critical illness insurance.
Critical illness insurance pays a lump-sum cash benefit directly to you when you are diagnosed with a covered condition such as cancer, heart attack, stroke, kidney failure, or major organ transplant. Unlike health insurance, this payment is not tied to medical bills — you can use it for anything, including mortgage payments, living expenses, travel for treatment, or time off work to recover.
Most critical illness policies cover cancer (including invasive and non-invasive), heart attack, stroke, kidney (renal) failure, major organ transplant, and coronary artery bypass surgery. Some policies also cover conditions like ALS, blindness, paralysis, and severe burns. Specific covered conditions vary by policy, and a licensed advisor can walk you through the details.
Health insurance pays your doctors and hospitals for treatment. Critical illness insurance pays you directly — a one-time lump sum when you receive a qualifying diagnosis. It supplements your health insurance by covering the expenses health insurance does not, such as deductibles, lost income, childcare, mortgage payments, and travel for treatment.
Many critical illness policies do not require a medical exam. You will answer health questions as part of the application process, but there are no needles, lab work, or doctor visits required. Eligibility and premiums are determined based on your age, health history, and the coverage amount you select.
Premiums depend on your age, health, coverage amount, and the specific conditions covered. Critical illness coverage is generally affordable — many policies cost less than you might expect for meaningful protection. A MedaSynq advisor will provide a personalized quote based on your situation.
Yes. Critical illness insurance is designed to work alongside your existing health insurance, not replace it. The lump-sum benefit is paid directly to you regardless of what your health insurance covers, giving you financial flexibility during a difficult time.
Once you receive a qualifying diagnosis from a licensed physician, you file a claim with the insurance carrier. Upon approval, a lump-sum payment is made directly to you. There are no restrictions on how you use the money. MedaSynq stores your policy in your Vault and our Claim Assist team can help you through the claims process.
MedaSynq is a licensed insurance agency that combines insurance purchasing with secure policy storage and claims assistance. When you purchase a policy through MedaSynq, it is automatically stored in your Vault so you and your beneficiaries always know where to find it. If you ever need to file a claim, our Claim Assist service handles the entire process. MedaSynq is not an insurance company — policies are underwritten and issued by our carrier partners.
Don't Wait Until It's Too Late
One in three people will be diagnosed with cancer in their lifetime. Critical illness insurance gives you financial protection when you need it most. Talk to a licensed advisor today.
Already have policies? Store them in Vault so your family can always find them.
MedaSynq Insurance Services (FL License #L136167) is a licensed insurance agency. Insurance products are underwritten and issued by Assurity Life Insurance Company, Lincoln, NE (AM Best A- Excellent). Product availability, features, and rates vary by state and are subject to underwriting approval.