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Critical Supplement

Receive between $5,000-$30,000 in 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. Plans start at $2/month.

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

What does Liferaft’s Critical Illness Supplement plan cover?

Critical Supplement will cover cancer, stroke, heart attack, major organ failure, and coronary artery bypass surgery, depending on your plan selection. Certain illnesses will receive full or partial benefits, depending on the severity of the illness and the specifics of your plan.

View Critical Supplement FAQ

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.


Percent of cancer patients who experience financial challenges after diagnosis.1


1 in 5 cancer patients reported spending over $20,000 in out-of-pocket costs for each year of treatment.1


Percentage of US bankruptcies related to medical debt.2

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.