Accident & Critical Illness Insurance

At Heartland Health Insurance, we realize that accidents and critical illnesses can happen suddenly and without warning. 

Since there’s absolutely no way to know what will happen in the future, we are all susceptible to accidents and illness in a blink of an eye. However, we are here to help.

Since 2005, we have been helping our clients acquire accident insurance and critical illness insurance from the most reputable providers; as Anthem, United Healthcare, Aetna, Cigna, Guardian, National General and many others. We want to give you the peace of mind that you and your family are taken care of, especially if/when these types of tragedies arise.

We are able to customize policies based on your unique circumstances, or complement an existing plan you already have. We will analyze hundreds of plans catered to your specific criteria, and choose the benefits that are right for you and your loved ones.

Let us help you prepare for the worst, and be a partner in your business or family’s health. 

Accident insurance works as a supplement to your existing insurance policy, to add extra coverage in the case of an injury. 

If you get injured in an accident and an insurance claim is filed and approved, then a lump sum payment is issued by the insurance company and paid to you directly...not to the doctors or hospitals. The best part is, you can use the lump sum to cover any expense you desire; such as medical bills, rent, groceries, childcare, car payment, utilities, etc. 

The amount of your compensation by the plan is generally dependent on which plan you have, the type and severity of the injury, and the applicable treatment required to treat the injury.

Not having the right accident insurance in place before getting injured can cause severe financial hardships and a mountain of hospital bills for most families. Not to mention, it could add further stress by prohibiting you from going to work in the future, taking care of your loved ones, and paying your bills and/or buying groceries.

Critical illness insurance works as a supplement to your existing insurance policy, and adds extra coverage in the case of a qualifying medical diagnosis.

Examples of critical illnesses can include heart attacks, strokes, coronary bypasses, organ transplants, many forms of cancer, and many others. 

Many diseases can affect just about anyone of any age at any time, without care or consideration for that person’s health, heritage, or habits. It’s a fact of life that is one of the most humbling, as there is often no rhyme or reason to its affliction. 

Not having the proper critical illness protection in place prior to a new diagnosis can be one of the hardest things to face, financially and otherwise. 

Like Injury Insurance, once you get a confirmed diagnosis and an insurance claim is approved, then a lump sum payment is issued by the insurance company and paid to you directly...not to the doctors or hospitals. Similarly, you can use the lump sum to cover any expense you desire; such as medical bills, rent, groceries, childcare, car payment, utilities, etc. 

We all know those in our life who have been diagnosed with a critical illness, and it can happen at any time. In addition, the financial stress can be overwhelming. 

However, many critical illness plans can be structured to make periodic payments, depending on the treatment being rendered, which can help ease that financial burden.