Group Critical Illness Insurance

The physical and emotional effects of a critical illness on you and your loved ones can make you feel like you have no control over your own life. It's why your doctor will strongly recommend you have a solid support system in place to help you cope with such an overwhelming occurrence.

Most patients with strong support during a severe illness recover more quickly and experience less overall stress, anxiety, and fear.1 The AAO-Endorsed Group Critical Illness Insurance Plan can help provide the support you'll need to deal with an unexpected illness and help cover the substantial healthcare costs associated with it. Focus on what you can control and put a support system in place so you can get well faster and stay healthy longer.

Applying Is Easy.

No physical exams. No medical tests. No kidding.


Answering just a few questions is all it takes. Apply online for faster processing.

Why Do I Need Another Health Insurance Plan?

Healthcare costs are constantly rising. This plan can supplement your existing health insurance and help cover those hidden expenses that add up, like co-pays, deductibles, prescriptions, and treatment or travel to consult specialists. Most patients recovering from a critical illness need time off work as well. We can support you by offering:

  • Simplified issue: answer only a few health questions; no physical exam or medical tests required
  • Coverage amounts: up to $100,000 ($200,000 for two separate, distinct illnesses)
  • Flexible cash benefit: use at your own discretion
  • No benefit cutbacks: your benefit amount will not decrease with age
  • Easy, timely benefit payment: submit one claim, secure approval, payout processed in most cases within 15 days of diagnosis

What Is Considered a Critical Illness?

The AAO-Endorsed Group Critical Illness Insurance Plan covers six, specific critical illnesses:

  • Cancer
  • Carcinoma in situ (a localized state)
  • Heart attack
  • Major organ transplant
  • Renal failure
  • Stroke

Insureds may receive benefits for no more than two separate and distinct critical illnesses.* Please refer to the plan brochure for a detailed explanation of each critical illness covered.

*The second instance coverage is subject to a 6-month waiting period after the first diagnosis.

The Good News. And the Not-So-Good News.

Life expectancy nearly doubled during the 20th century with a ten-fold increase in the number of Americans age 65 or older, but as life expectancy increases, diseases and conditions that threaten the health of older people remain a concern:2

  • About 790,000 people in the U.S. have heart attacks each year.3
  • Someone in the U.S. has a stroke about once every 40 seconds.3

Current health statistics are sobering, we know. But staying informed is the best way to reduce fear and anxiety whether you're critically ill, or vigorously healthy. Here's 14 tips for leading a healthy life.


AAO members and their spouse or domestic partner under age 70 may apply for benefit amounts from $5,000 to $100,000 in $5,000 increments.* Spouse coverage must be less than or equal to member coverage. In most states, pre-existing conditions are covered after 12 months of coverage.**

*The covered person must survive for 15 days following the date of diagnosis to be eligible for benefits.

**There is a 30-day exclusion period and a 12-month pre-existing condition exclusion. Some state-specific regulations may apply.

Applying Is Easy.

No physical exams. No medical tests. No kidding.