When a serious diagnosis hits — heart attack, stroke, cancer — critical illness insurance pays a lump-sum cash benefit directly to you. Cover what health insurance doesn't: lost wages, deductibles, travel, and everyday expenses.
Heart attack, stroke, invasive cancer, kidney failure, major organ transplant, and more. Review your specific plan for the complete list of covered diagnoses.
You receive a lump sum when a covered diagnosis is confirmed. No need to submit medical bills — the benefit is paid based on the diagnosis itself.
A cancer diagnosis means months of treatment, missed work, and travel to specialists. CI insurance gives you a financial cushion when you need it most.
Yes — Tower Hill offers critical illness insurance for Texas residents with top-rated carriers. Individual plans are available without employer enrollment. TX Agency License #2608479TX.
Most CI plans cover heart attack, stroke, invasive cancer, kidney failure, major organ transplant, and coronary artery bypass surgery. Some plans include additional conditions. Coverage and definitions vary by policy — review the certificate of coverage for your specific plan.
Upon diagnosis of a covered condition, the insurer pays a lump-sum cash benefit directly to you — not to a hospital or doctor. The amount depends on your selected benefit level (typically $10,000–$50,000). You can use the cash for anything: deductibles, living expenses, experimental treatment, or travel for specialized care.
Texas has higher-than-average rates of cardiovascular disease and certain cancers. The state's large size, heat, and industry mix contribute to elevated risk for conditions typically covered by CI insurance. Having CI coverage gives Texans a financial buffer at an already stressful time.
Free quote in 2 minutes. Individual plans, no employer required.
Tower Hill Corp · TX Agency License #2608479TX · Benefits subject to policy terms and waiting periods.