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A household name offering both individual and employer-backed voluntary critical illness policies, with comprehensive wellness riders.
Humana provides critical illness coverage as both an individual purchase and an employer-backed voluntary benefit, giving buyers flexibility in how they access a policy. Many of its plans include wellness riders that pay out small annual benefits for routine preventive screenings, encouraging early detection alongside the core lump-sum diagnosis benefit.
3 plans available — compare coverage, premium, and key features.
Annual wellness benefit paid for routine preventive screenings
Key Features
Step-by-step claim process for Humana.
Obtain a diagnosis for a covered critical illness from a licensed physician.
Complete the claim form and submit medical records and supporting documents.
The insurer reviews eligibility, policy terms and submitted documentation.
Once approved, the lump-sum critical illness benefit is paid to the policyholder.
Humana's wellness riders add ongoing value beyond the core critical illness payout, rewarding policyholders for preventive care and routine screenings.
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Yes, Humana offers critical illness plans that can complement existing Medicare Advantage or supplement coverage.
Common triggering conditions include cancer, heart attack, stroke, and other major illnesses as defined by the policy.
Yes, Humana offers individual critical illness plans that do not require employer enrollment.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Ratings and figures are based on publicly available company disclosures and state insurance department filings. Finzony is not an insurance broker or agent. Verify all details on the official Humana website before purchasing.
Mid-tier coverage with enhanced wellness and preventive rewards
Key Features
Highest Humana tier with maximum wellness incentives included
Key Features
Some plans include a maximum renewal age, after which coverage may end or convert to a different benefit structure.
Humana aims to process critical illness claims promptly, often within a few weeks of receiving complete documentation.