A serious illness can lead to serious bills

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Critical Illness Insurance

The biggest and most costly medical events are often the least predictable. When it comes to heart attacks, strokes, cancer and other major critical illnesses, your major medical insurance may not be enough. If you face a serious medical issue, Critical Illness insurance may help you manage your medical and non-medical expenses — so you can focus on recovery and getting back to everyday life.

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Focus on recovery

APL’s Critical Illness insurance* can help you prepare for the financial impact you may face after a heart attack, stroke, invasive cancer or any other covered critical illness. Benefit funds can be used to pay unexpected medical bills or daily expenses to help you get back on your feet.

Why Buy Critical Illness Insurance?

Critical illness coverage may provide support in the face of serious illnesses. But how exactly does it help? Let’s take a look.

What does Critical Illness Insurance cover?

Help prepare for the financial impact you may face after a heart attack, stroke, invasive cancer or other covered critical illness. APL’s Critical Illness insurance offers plans that cover more than 60 critical illness conditions.

More choices for today’s challenges

Additional benefit options cover infectious disease diagnoses, vaccines, health screenings, mental health, Type 1 diabetes, Alzheimer’s disease, even genetic testing.

How it works

Critical Illness insurance pays a lump sum upon diagnosis of one of more than 60 covered critical illnesses with no lifetime limit. Benefit funds are paid to you directly, giving you the freedom to use them as you please.

Covers more than illnesses

Critical Illness insurance may also cover transportation and lodging, so you can stay close to your loved ones and receive the necessary support for a speedy recovery.

Appropriate for anyone

Coverage is suitable for any age, regardless of genetics or family medical history. Spouse and dependent coverage options are also available.

Questions? We’re here to help!

Find answers to the most commonly asked questions.

If you prefer to talk, you can always call us at 800-256-8606.

Adding dependents to your coverage after the policy has been issued is subject to insurability requirements and requires a new application. Call your agent or contact us by email or call 800-256-8606 and we’ll connect you with your agent. Once we receive your application, we’ll carefully evaluate your application for new coverage and inform you of our decision via mail.

Please be sure all requests are submitted to our office at least 30 days before the desired effective date of coverage.

Do I have to fill out a claim form?

For consideration of most benefits, you need to complete a claim form either by filing your claim online in the Online Service Center or a paper claim form.

We may also need a signed Authorization to request additional information from your doctor to assist us in reviewing your claim, which is included in the claim form to help expedite the process.

Save time by uploading your claim form and supporting documentation from your Online Service Center account, or submit forms by fax at 877-365-9423 or mail to:

P.O. Box 248950,
Oklahoma City, OK 73124-8950

How do I file a claim?

The fastest and easiest way to file your claim is through your Online Service Center account. Sign in or register your account for convenient automated claims submission

For wellness benefits under all plans: Click on “File a Wellness Claim” and follow the prompts to submit your wellness and screening benefit claim.

For all other benefits: Click on “Upload Files” then answer the prompts and attach the required documentation.

You may also submit your completed claim form and supporting documentation to us by fax at 877-365-9423 or mail to:

P.O. Box 248950
Oklahoma City, OK 73124-8950

*This Critical Illness policy provides limited benefits.

Underwritten by American Public Life Insurance Company This product contains limitations, exclusions and waiting periods. For complete benefits and other provisions, please refer to the policy/certificate/rider. All benefits may not be available in all states, does not replace Workers’ Compensation Insurance and is inappropriate for people who are eligible for Medicaid coverage.

Other products listed may contain limitations, exclusions and waiting periods. See your specific policy for full coverage details. A hospital is not an institution, or part thereof, used as a place for rehabilitation, a place for rest or for the aged, a nursing or convalescent home, a long-term nursing unit or geriatrics ward, or an extended care facility for the care of convalescent, rehabilitative or ambulatory patients. All benefits may not be available in all states. Some products may not replace Workers’ Compensation Insurance and may be inappropriate for people who are eligible for Medicaid coverage.