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Critical Supplement

Receive cash benefits if you are diagnosed with a serious illness.

Life-changing health events can affect anyone at anytime. With Critical Supplement , you'll receive cash benefits if ever diagnosed with cancer, heart attack, stroke, or other illnesses, which can vary based on your plan selection.

It's guaranteed-issue indemnity insurance for those meeting age and residency requirements.

Liferaft works with multiple carriers to bring you critical illness insurance options.

What’s Covered?

The following conditions may be covered by Critical Supplement, which vary based on the plan you select.

Liferaft works with multiple carriers to bring you critical illness insurance options.



Heart Attack

Kidney Failure

Major Organ Transplant

Coronary Artery Bypass Surgery

Why should I have Critical Supplement?

A major health event can happen at any time, and often come with unexpected costs. Your health insurance may not cover these costs or offer the full set treatment options you want to pursue.

Here’s where Critical Supplement insurance can help. Upon diagnosis and filing a claim, you’ll receive benefits as a cash payment, giving you the flexibility to seek second opinions, travel for treatment, or whatever else you may need.


Median total annual cost per patient for heart-failure care in the United States.1


Percent of medical expenses a Bronze-level insurance plan will cover.2


Out-of-pocket amount remaining after medical insurance coverage.3

IMPORTANT NOTICE: Coverage under the policy does not constitute comprehensive health insurance coverage (a/k/a/ "major medical insurance"). It therefore does not satisfy the "minimum essential coverage" requirements of the Patient Protection and Affordable Care Act. Coverage will not satisfy the individual responsibility requirements of section 5000A of the Internal Revenue Code.