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Critical illness insurance

Why critical illness insurance?

Can you afford to not have critical illness insurance?

If you’re diagnosed with a critical illness, it’s important to focus on your recovery — instead of worrying about your finances.

Critical illness insurance is a supplemental health benefit for both full- and part-time Googlers. And it’s a cost-effective way to help with everyday expenses or medical costs. Like if you have a heart attack or stroke — or you’re diagnosed with Alzheimer’s disease or another critical illness.

Initial critical illness diagnosis cost scenarios*

According to the Centers for Disease Control and Prevention (CDC), cancer is the second-leading cause of death in the United States.1  Health related bills and other expenses can quickly add up if you’re diagnosed with a critical illness like cancer.

But with critical illness insurance through Securian Financial, you and your family can be more financially prepared — and keep more money in your pocket if you get sick.

Here are three examples (assuming in-network utilization) of the typical first-year expenses associated with breast, colon and lung cancer:

*Actual experience and benefit payouts may vary.

SCENARIO 1

Breast cancer initial diagnosis expense2 $13,323

Breast cancer chart Anthem gHIP deductible for Googlers only is $1,400. 10% Co-insurance of $1,192. This equates to a total Googler medical cost of $2,592 Anthem gHIP deductible (Googler only) $1,400 Co-insurance of 10% $1,192 Anthem gHIP out-of-pocket maximum ($2,600) N/A Total Googler medical cost $2,592 Anthem gHIP deductible (Googler only) Co-insurance (10%) Anthem gHIP out-of-pocket maximum ($2,600) Total Googler medical cost* $1,400 $1,192 N/A $2,592

*Total Googler health out-of-pocket cost (initial diagnosis)

SCENARIO 2

Colon cancer initial diagnosis expense2 $24,555

Colon cancer chart Anthem PPO deductible for Googlers and domestic partner is $800. 10% Co-insurance of $2,375. This equates to a total Googler medical cost of $3,175 Anthem PPO deductible (Googler and domestic partner) $800 Co-insurance of 10% $2,316 Anthem PPO out-of-pocket maximum ($5,000) N/A Total Googler medical cost $3,116 Anthem PPO deductible (Googler and domestic partner) Co-insurance (10%) Anthem PPO out-of-pocket maximum ($5,000) Total Googler medical cost* $800 $2,375 N/A $3,175

SCENARIO 3

Lung cancer initial diagnosis expense2 $37,621

Lung cancer chart Kaiser NorCal/SoCal out-of-pocket maximum of $5,000. This equates to a total Googler medical cost of $5,000 Kaiser NorCal/SoCal deductible (Googler and children) Co-insurance Kaiser NorCal/SoCal out-of-pocket maximum ($5,000) Total Googler medical cost* $0 $0 $5,000 $5,000

Dollar bills Animation of dollar bills stacking up.

Securian Financial pays you up to $30K

That’s right. Your critical illness benefits provides a $15,000 or $30,000 cash payment, depending on your election. So if you are diagnosed with a covered critical illness, you may use this benefit to keep your out-of-pocket expenses to a minimum.

The cash payment you receive from Securian Financial does not have to be used to pay your health insurance out-of-pocket costs. It can also be used for any unexpected costs (medical or non-medical).

Additional expenses to consider if you get a serious illness

Travel

  • Hotel
  • Gas
  • Food

Household

  • Groceries
  • Cleaning service
  • Repairs/other bills
  • Spouse/domestic partner loss of income

Childcare

  • Daycare/nanny
  • School costs
  • Medical bills

Petcare

  • Pet sitter
  • Food
  • Medicine

More benefits of critical illness insurance

  • No medical questions or health exam
  • Includes diagnoses made by a licensed provider outside of the United States
  • Covers you, your spouse/domestic partner, child(ren) and/or dependent parent(s)

For specific dependent eligibility questions, please contact Securian or refer to your certificate of insurance.

Learn more

Interested in more details about your critical illness insurance benefit – and how it can help you and your family?

Read more

Ready to enroll?

You can elect critical illness insurance through go/gBenefits. 

Critical illness insurance questions?

Call 833-745-5516 to chat with a Securian Financial customer service representative, Monday-Friday 5 a.m. – 5 p.m. Pacific Time.

Enrollment questions?

Visit go/benefits-support, or email Securian Financial at googlesupport@securian.com.

1. “National Center for Health Statistics: Death And Mortality.” CDC.gov, last updated April 9, 2021.

2. Dieguez, Gabriela; Ferro, Christine; Pyenson, Bruce S. “A Multi-Year Look at the Cost Burden of Cancer Care.” Milliman.com, April 10, 2017.

This policy provides limited benefits. This policy has exclusions, limitations, reduction of benefits and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact Securian Financial Group. This is a summary of plan provisions related to the insurance policy issued by Securian Life. In the event of a conflict between this summary and the policy and/or certificate, the policy and/or certificate shall dictate the insurance provisions, exclusions, all limitations, and terms of coverage. All elections or increases are subject to the actively at work requirement of the policy. Products are offered under policy form series is 18-32550. Benefits for covered conditions will be payable upon a diagnosis of a covered condition that satisfies the requirements of the policy and when all other policy requirements are met.

Product availability and features may vary by state.

Some states may refer to this product as specified disease insurance. Critical illness insurance is issued by Securian Life Insurance Company, a New York authorized insurer headquartered in St. Paul, MN.

Securian Financial is the marketing name for Securian Financial Group, Inc., and its 
subsidiaries. Securian Life Insurance Company is a subsidiary of Securian Financial Group, Inc.

DOFU 6-2021
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