Critical Illness Insurance

Being diagnosed with a critical illness can generate costs far beyond typical medical expenses—costs that may or may not be covered by traditional health plans. The Kemper Health Critical Illness insurance policy can help employees cover the costs that arise from a critical illness diagnosis, while keeping their family savings intact. This policy covers a broad range of conditions most likely to cause major lifestyle changes, such as heart attack, stroke, cancer, renal failure, paralysis, severe burns, organ transplant, occupational HIV, coma, Alzheimer's disease, Parkinson's disease, and benign brain tumors.

Plan at a glance

  • Three different plans to choose from:
    • Plan 1—Group critical illness without cancer
    • Plan 2—Group critical illness with cancer
    • Plan 3—Group critical illness with cancer and a cancer treatment rider
  • Re-occurrence and additional occurrence: No limit on number of re-occurrences for a covered condition with a 12 month wait between occurrences. No limit on the number of additional occurrences of a covered condition with a 6 month wait between occurrences.
  • Benefits enhance: Option to select a First Diagnosis Benefit Enhancement Rider that increases face amount by $1,000 per year for a period of ten years or until first claim.

Kemper Health is the brand name for insurance products issued by subsidiary insurance companies controlled by Kemper Corporation. Each subsidiary of Kemper Corporation is solely responsible for the insurance products it underwrites and issues.

The underwriting company for the worksite voluntary Accident Expense, Accident Indemnity, Cancer, Critical Illness, Dental, Short Term Disability and Whole Life Insurance Products is Reserve National Insurance Company, which is responsible for the underwriting risks, financial and contractual obligations and support functions associated with the products it issues. The underwriting company for the worksite voluntary Hospital Indemnity, Signature Gap, Indemnity Outpatient Prescription Drug, Limited Medical, and Vision Insurance Products is Fidelity Security Life Insurance Company. Fidelity Security Life Insurance Company is not financially affiliated with Kemper Corporation. All products are subject to the terms, conditions, limitations and exclusions of the specific policy. Product availability may vary by state. The Kemper Health voluntary insurance plans, either alone or in combination with each other, are not “minimum essential coverage” under the federal Affordable Care Act. Neither Reserve National Insurance Company, Fidelity Security Life Insurance Company, nor their agents, representatives, associates or employees render legal or tax advice. The employer should seek the expert assistance of its own legal or tax adviser.

IMPORTANT: If an individual is insured under one or more Kemper Health voluntary insurance plans and is also covered by Medicaid or a state variation of Medicaid, most non-disability benefits are automatically assigned according to state regulations. This means that instead of paying the benefits to the insured individual, we must pay the benefits to Medicaid or the medical provider to reduce the charges billed to Medicaid. Proposed insureds should consider their circumstances before enrolling in Kemper Health coverage.

If you are an employer offering one or more of these insurance products to your employees, the product(s) may constitute a part of an employee benefit plan under the Employee Retirement Income Security Act of 1974 (“ERISA”). An employer offering an ERISA employee benefit plan will be responsible for a number of obligations applicable under ERISA, including, without limitation, the obligation to make required disclosures to employees and file reports with the federal government. You should consult with an experienced attorney concerning the requirements for compliance with ERISA.