brandlogo
Luke Agency Navigating the Medicare Maze
About Debbie Luke Get A Quote Blog
Questions? Call us now: (757) 761-0812
Home
Luke Agency | HomeAbout Debbie LukeContact UsOur Privacy PolicyLegal Terms and ConditionsGet a QuoteSeminarsSeminar 2nd Date
Medicare Plans
Medicare Advantage PlansDifferent Types of Medicare Advantage PlansWhat is Medicare Supplement (Medigap) Insurance?Part D Prescription Drug PlansReview Medicare Plans & QuotesWhat to Consider When Choosing or Changing My Coverage
Medicare Resources
Get your Medicare & You HandbookMedicare 2025 Costs at a GlanceMedicare: What you need to knowAre You Eligible for Medicare?Five Things to Know About Your Medicare Card
Dental & Vision
Choosing Dental CoverageDental CoverageVision Insurance: Is It Right For YouSupplemental Health Insurance Overview
Critical Illness
What is Critical Illness Insurance?How Critical Illness Insurance Coverage Can Work For YouWhy Think About Cancer?Why Consider Cancer Insurance?Considering Short-Term Care Insurance?
Life
Navigating Life InsuranceWhich Makes Sense for You: Permanent or Term Life Insurance?Term Life InsuranceWhy it’s Worth Considering Final Expense Insurance?Understanding Juvenile Life Insurance
Retirement
Retirement PlanningPreparing for RetirementAn Overview of AnnuitiesThinking About Retiring? Use these helpful calculators to start planning
Happenings

What is Critical Illness Insurance?

With health insurance costing more and delivering less these days most people today are experiencing a growing financial burden that they’re ultimately responsible for. As a result, the demand for supplemental health insurance products is growing and Critical Illness insurance is one of those products.

Invented by a Doctor, Not the Insurance Industry

Critical Illness insurance was invented by world renowned heart surgeon Dr. Marius Barnard. Dr. Barnard observed first-hand the detrimental financial impact his patients experienced following their treatment. Too many of them were putting their recovery at risk by forcing themselves back to work too soon just to pay the bills. Dr. Barnard felt this was wrong and that there should be an insurance product that could provide recovering patients a cash payment the moment an illness was diagnosed. His observations ultimately gave birth to modern Critical Illness insurance. Critical Illness insurance is a Limited Benefit Policy.  It is not a comprehensive major medical plan or Medicare supplement policy. 

Focus on Your Recovery, Not Your Bills

Critical Illness insurance is about reducing the emotional and financial stress associated with the diagnosis of and recovery from a critical illness. The purpose of this insurance is to help families narrow or even close this growing financial gap and focus on getting well and not wondering about how to pay the bills.

Critical Illness Insurance Is Simple

If you are diagnosed with a covered illness like Cancer, Heart Attack, Stroke or Alzheimer’s disease, Critical Illness insurance pays typically pays a lump sum. However, some policies may pay a monthly cash benefit. You have complete discretion on how to spend the money – it can be for out of network medical costs, experimental treatments or even to pay your mortgage. It can be for anything you decide. No bills or receipts are required and no strings attached.

To learn more about Critical Illness insurance give us a call us today to schedule a free consultation. We’ll discuss the importance of adequate health care planning and how Critical Illness insurance can play a role in your own personal health care strategy.

Critical Illness
  • What is Critical Illness Insurance?
  • How Critical Illness Insurance Coverage Can Work For You
  • Why Think About Cancer?
  • Why Consider Cancer Insurance?
  • Considering Short-Term Care Insurance?
FORM NAME: Ask Us A Question

Drag and drop the fields to create your own form

Tick

Tick

Tick

Tick

Tick

Trash Drag

Your information will not be shared.

Luke Agency

Navigating the Medicare Maze

Follow Us

About Us

Our firm is staffed by proven insurance professionals committed to providing our clients with highly personalized service.

Other Links

Privacy Policy
Legal Terms

Address

780 Lynnhaven Parkway Suite 400
Virginia Beach
Virginia
23452
(757) 761-0812

This is a solicitation for insurance. Submitting information or calling numbers listed on this website will direct you to a licensed Agent/Broker.

Important disclosures about Medicare Plans: Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

© Copyright 2025Luke AgencyAll rights reserved.
Insurance Websites by AgentMethods
...