Being diagnosed with a critical illness can be devastating, both personally and financially. Breathe easier knowing critical illness insurance can help you pay your out-of-pocket expenses and allow you to focus on your health.  

Key Features

  • A limited benefit policy (not health insurance)1
  • Lump-sum benefit when you are diagnosed with a covered illness
  • Benefits for heart attack, stroke, kidney failure, coronary artery bypass and several others 
  • Spend benefits on what you need – medical expenses, groceries, utilities
  • Benefits paid regardless of any other insurance you have 
  • Coverage may follow you if you leave your employer2 
  • Visit the Claims Center to start a claim, upload a claim form, download a claim form or find a claim contact.

Suitable For

  • Individuals with a family history of serious illnesses 
  • Individuals facing large health insurance deductibles 


Eligibility Limits
  • Available through your employer’s benefits program
  • There may be no health questions or medical tests to get coverage
  • Must meet employer’s eligibility requirements2
  • Optional spouse, domestic partner or dependent children coverage2 


  • Premiums are typically lower when you purchase group coverage through your employer
  • Premiums are conveniently deducted from your paycheck

Additional Details

*Known as Specified Disease in some states.

1Critical Illness insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. 

2This varies by state and the critical illness insurance plan offered by your employer. 

Additional Resources

This information is a brief description of coverage. The policy and riders should be read carefully for exact terms and conditions, exclusions and limitations. Policy form numbers, product availability and benefit provisions may vary by state.

Voya® Employee Benefits insurance products and services in the U.S. are provided by ReliaStar Life Insurance Company (Home and Administration Office: Minneapolis, MN) and ReliaStar Life Insurance Company of New York (Home Office: Woodbury, NY. Administration Office: Minneapolis, MN). Within the State of New York, only ReliaStar Life Insurance Company of New York is admitted, and its products issued. Both are members of the Voya® family of companies.