Critical Illness insurance

SLPC 28125 11/18 (exp. 1/20)

No one wants to think about what can go wrong. While more people than ever are surviving critical illnesses like heart disease, stroke, and cancer, such medical setbacks can affect a person's financial health.

Sun Life's Critical Illness insurance can help your employees with critical illnesses meet out-of-pocket costs.

Our plan pays a lump-sum cash payment and employees decide how to spend the money. They can use this money however they want including as payment for out-of-pocket medical costs or everyday expenses like groceries or childcare.

The critical illness benefit payable as a lump-sum can range from $5,000 to $50,000 of coverage, ($5,000 for children).

We provide a benefit for a variety of covered conditions.

Covered benefits include payments for:

Core conditions like heart attack and stroke, Cancer conditions- depending on the plan, Other conditions like benign brain tumor, coma, paralysis, and burns, and Childhood conditions like Down syndrome, cerebral palsy, complex congenital heart disease, cystic fibrosis, and more.


This benefit is easy to offer.

  • 100% employee-paid option
  • Policies issued with a minimum of only 5 enrolled employees
  • Benefits payable regardless of other coverages
  • Issue-age rating option makes the plan easy to administer
  • Guaranteed issue is available
  • Full enrollment support available
  • Flexible enrollment options

Wellness benefit and portability available in most states.

Each covered condition is payable once per lifetime, unless a Recurrence Benefit applies.

Insured dependent children are covered for each category/condition applicable to the plan elected. Childhood conditions apply only to dependent children.

The content on this page is not approved for use in New Mexico.

In some states, “Critical Illness” is referred to as “Specified Disease.”

If permitted by the Employer’s employee benefit plan and not prohibited by state law, the term “spouse” in this benefit includes any individual who is either recognized as a spouse, a registered domestic partner, or a partner in a civil union, or otherwise accorded the same rights as a spouse.

Subject to policy terms, portability or continuation may be available when employment terminates. Coverage is subject to state variations. Refer to your certificate for specific conditions.

“Critical Illness insurance” is a limited benefit policy. It does NOT provide basic hospital, basic medical, or major medical insurance and does not satisfy the requirement for Minimum Essential Coverage under the Affordable Care Act. The certificate has exclusions and limitations for certain conditions that may affect any benefits payable. Benefits payable are subject to all terms and conditions of the certificate. This overview is preliminary to the issuance of the policy and certificate. The policy, certificate, and rider, if applicable, may not be available in all states and may vary based on state laws and regulations.

Note to employees covered or considering coverage under Health Savings Accounts (HSAs) established in connection with a High Deductible Health Plan (HDHP): Based on the limited available regulatory guidance, Sun Life believes its “Critical Illness insurance” is appropriate for use with an HSA and may be purchased when the employee and/or his or her family members are covered under an HDHP. However, Sun Life cannot provide legal or tax advice. If there are legal or tax questions, we suggest that you consult your own legal or tax advisor before purchasing this insurance.

Subject to state law variations.

Group critical illness insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 15-GP-01, 16-SD-C-01, 16-SDPort-C-0112-GP-01, 13-SD-C-01, and 13-SDPort-C-01. Product offerings may not be available in all states and may vary depending on state laws and regulations.

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