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Known for one of the most extensive covered-condition lists in the industry, with separate plans for individuals and employer groups.
Mutual of Omaha stands out for the sheer breadth of conditions it covers, with individual plans listing 25-plus covered conditions and employer-sponsored group plans covering 130-plus. Coverage amounts typically range from $10,000 to $100,000, making it a strong option for buyers who want comprehensive condition coverage rather than just the major illnesses.
3 plans available — compare coverage, premium, and key features.
Covers 25+ conditions — one of the broadest lists available
Key Features
Step-by-step claim process for Mutual of Omaha.
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.
Mutual of Omaha's unusually broad list of covered conditions gives buyers more comprehensive protection than many competitors offering only the core critical illnesses.
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Yes, applicants can choose from a range of benefit amounts to match their budget and coverage needs.
Underwriting requirements vary by plan, with some policies offering simplified issue with limited health questions.
Yes, Mutual of Omaha offers an online application process for eligible critical illness plans.
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 Mutual of Omaha website before purchasing.
Mid-tier coverage with 25+ conditions and strong financial backing
Key Features
Up to $100K coverage covering 130+ conditions on group plans
Key Features
Policies are typically guaranteed renewable as long as premiums are paid on time, without requiring re-underwriting.
Some Mutual of Omaha plans offer a return of premium rider, refunding unused premiums if no claim is made.