Critical Illness Insurance

Affordable coverage for extra protection

After a serious health complication or illness, you may have expenses that health insurance doesn't cover. The financial burden can be overwhelming for those dealing with a critical illness.

That's where critical illness insurance (underwritten by BCS Insurance Company) comes in. It provides a safety net against the high costs of much needed care for life-altering conditions. Critical illness insurance pays you a lump sum that can be used right away to cover medical costs like:

  • High deductibles
  • Copays
  • Ongoing premiums
  • Non-covered procedures
  • Out-of-network providers not covered by your health plan

It can also be used to pay for other non-medical costs, such as:

  • Rent, mortgage, and car payments
  • Credit card bills
  • School tuition
  • Costs associated with your care incurred by a caregiver or spouse
  • Other daily living expenses that continue during treatment and recovery

Four coverage levels to choose from

There are four coverage levels available to meet your needs: $5,000, $10,000, $15,000, and $20,000. At the $5,000 coverage level, you are guaranteed insurance. The plan covers the most common critical illnesses:

  • 100% of policy limit: Heart attack, stroke, invasive cancer, end-stage renal (kidney) failure, major organ transplant
  • 25% of policy limit: Pre-cancerous carcinoma in situ (CIS), prostate cancer
  • 5% of policy limit: Skin cancer

Learn more and get a quote today

Applying for critical illness insurance is fast and easy. To learn more about the available options and get a quote, go to BCS Insurance Company.


All coverage levels offer benefits like affordable premiums, no deductible, guaranteed renewal through age 69, a re-occurrence benefit, and dependent coverage. Optional benefits are available as well.

This plan is a specified disease policy. It provides limited benefits, and contains exclusions and limitations, including pre-existing condition limitations and waiting periods. This plan will not pay benefits for a diagnosis of a critical illness that is caused by a pre-existing condition, unless the date of diagnosis is more than 12 months after the effective date of coverage. You will receive only the benefit level specified in the policy you selected and was issued to you, and your premium will vary according to the benefit level you selected. See policy documents for a complete description of benefits, exclusions, limitations and conditions of coverage.

BCS Insurance Company is an independent insurance company that does not provide Blue Cross & Blue Shield of Rhode Island products or services. BCS Insurance Company is solely responsible for the critical illness insurance coverage described above.

Blue Cross & Blue Shield of Rhode Island is an independent licensee of the Blue Cross and Blue Shield Association.