🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 129 (from laksa056)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa129.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical, ml_categories_json AS ml_categories_json, ml_types_json AS ml_types_json, ml_intent_types_json AS ml_intent_types_json, meta_language AS meta_language, attrs_author AS attrs_author, ifNull(toUnixTimestamp(attrs_publish_time), 0) AS attrs_publish_time, ifNull(toUnixTimestamp(attrs_original_publish_time), 0) AS attrs_original_publish_time, ifNull(attrs_is_republished, 0) AS attrs_is_republished, ifNull(attrs_nr_words, 0) AS attrs_nr_words, ifNull(attrs_boilerpipe_nr_words, 0) AS attrs_boilerpipe_nr_words, ifNull(body_ext_links_number, 0) AS body_ext_links_number, ifNull(body_int_links_number, 0) AS body_int_links_number, ifNull(meta_nofollow, 0) AS meta_nofollow, ifNull(meta_noarchive, 0) AS meta_noarchive, ifNull(props_was_rendered, 0) AS props_was_rendered, ifNull(src_redirect, \'\') AS src_redirect, ifNull(download_time_msec, 0) AS download_time_msec, ifNull(download_ttfb_msec, 0) AS download_ttfb_msec, ifNull(download_size, 0) AS download_size FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.metlife.com/stories/accident-health/what-is-critical-illness-insurance/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.metlife.com/stories/accident-health/what-is-critical-illness-insurance/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.metlife.com\/stories\/accident-health\/what-is-critical-illness-insurance\/","crawl_time":1776838809,"first_indexed_time":1677033413,"http_code":200,"src_unparsed":"com,metlife!www,\/stories\/accident-health\/what-is-critical-illness-insurance\/ s443","src_root_hash":"13996819936066984129","history_drop_reason":null,"meta_title":"What Is Critical Illness Insurance? | MetLife","meta_descriptions":["Learn what critical illness insurance is, how it works, and the financial protection it provides in case of serious health conditions. Get expert insights with MetLife."],"attrs_boilerpipe_text":"When you get sick, medical insurance can help cover costs during your recovery. Sometimes though, the expenses associated with recovery from a major illness go beyond standard medical bills. That's where critical illness insurance may help.\nWhether you need to take a taxi to a doctor’s appointment, order a nourishing meal delivered to your door or even hire a babysitter while you recover, a payment from critical illness insurance can be used to help cover such expenses or however you see fit. Read on for a closer look at what critical illness insurance is and why you may want to consider getting a policy. \nCritical illness insurance typically provides a lump sum payment when you have a verified diagnosis of a covered illness.\nPay-outs can typically be used to cover:\nOut-of-network treatment\nTherapy and rehabilitation\nTransportation expenses\nChildcare\nLost income\nOther financial obligations (e.g., mortgage payments)\nExactly how much your critical illness plan pays out will depend on your insurance provider and the type of plan you’ve selected. \nWhat does critical illness insurance typically cover?\nCritical illness plans are designed to provide coverage for illnesses and injuries that have a significant impact on your quality of life. However, the specific list of qualifying conditions may vary based on your insurance provider. Critical illness insurance typically provides a lump-sum payment when you’re diagnosed with or require any of the following:\nHeart attack\nStroke\nKidney failure\nCancer\nMajor organ transplant\nAlzheimer’s disease\nComa\nSevere burns\nParalysis\nCoronary artery bypass graft\nSudden cardiac arrest\nBenign brain tumors\nProgressive diseases \nInfectious disease \nChildhood diseases \nLoss of the ability to speak, hear, and\/or see\nFor conditions with a possibility of recurrence, such as cancer or stroke, some critical illness plans will provide an additional payout. Be sure to check your policy for details.\nWhy enroll in critical illness insurance?\nCritical illnesses are more common than you might think. According to the Centers for Disease Control and Prevention (\nCDC\n), someone in the U.S. has a heart attack every 33 seconds.\n1\nWhen surgery is required for a heart attack, the average cost of emergency treatment can be \n$100,000 or more\n — even with health insurance.\n2\nAnd that’s for just one type of critical illness.\nThere has also been an increase in strokes, heart disease, and chronic liver disease, and that — along with COVID-19 — has led to a slight drop in life expectancy in the U.S. over recent years.\n3\nSo, enrolling in critical illness insurance to protect yourself and your loved ones may be a wise investment. \nHow to get critical illness insurance\nEnrolling in a critical illness insurance plan is easy. If your job provides employee critical illness insurance, you can sign up during\nopen enrollment\n, during a\nqualifying life event\n, or when you first start your job. Premiums are usually handled via payroll deduction, like employee health insurance, so you don’t have to worry about managing additional payments. \nIf you’re curious about getting a critical illness plan through your employer, ask your benefits representative if it’s available as a\nworkplace benefit\n. You can also purchase an individual plan through an insurance provider. ","attrs_markdown":"[Skip Navigation](https:\/\/www.metlife.com\/stories\/accident-health\/what-is-critical-illness-insurance\/#skiptomaincontent)\n\n[![MetLife](https:\/\/www.metlife.com\/content\/dam\/metlifecom\/us\/icons-header\/MetLife.png)](https:\/\/www.metlife.com\/)\n\nSOLUTIONS\n\nSUPPORT\n\nABOUT US\n\nRESOURCES\n\n[LOG IN](https:\/\/www.metlife.com\/stories\/accident-health\/what-is-critical-illness-insurance\/)\n\nSEARCH\n\n[LOG IN](https:\/\/www.metlife.com\/stories\/accident-health\/what-is-critical-illness-insurance\/)\n\nSEARCH\n\nSOLUTIONS\n\nInsurance\n\nBusiness and Brokers\n\nMetLife Investment Management\n\nRetirement & Income Solutions\n\nInsurance\n\n[Enhance Your Health Coverage](https:\/\/www.metlife.com\/health\/)\n\n- [Dental](https:\/\/www.metlife.com\/insurance\/dental-insurance\/)\n- [Vision](https:\/\/www.metlife.com\/insurance\/vision-insurance\/)\n- [Pet 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Environment](https:\/\/sustainabilityreport.metlife.com\/for-the-environment\/)\n- [06 For Our Communities](https:\/\/sustainabilityreport.metlife.com\/for-our-communities\/)\n- [07 Responsible Governance](https:\/\/sustainabilityreport.metlife.com\/responsible-governance\/)\n\n[Sustainability Resource Center](https:\/\/www.metlife.com\/sustainability\/resource-center\/)\n\n- [Environmental Stewardship](https:\/\/www.metlife.com\/sustainability\/resource-center\/)\n- [Social Responsibility](https:\/\/www.metlife.com\/sustainability\/resource-center\/social\/)\n- [Corporate Governance](https:\/\/www.metlife.com\/sustainability\/resource-center\/corporate-governance\/)\n- [Our Sustainability Aspirations](https:\/\/www.metlife.com\/sustainability\/resource-center\/aspirations\/)\n- [Statements, Policies, Codes & Archives](https:\/\/www.metlife.com\/sustainability\/resource-center\/statements-and-policies\/)\n- [Disclosures: Sustainability 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Wellness\n\nFinancial Wellness\n\n- [Employee Benefits](https:\/\/www.metlife.com\/stories\/benefits\/)\n- [Identity Theft](https:\/\/www.metlife.com\/stories\/identity-theft\/)\n- [Oral Health Library](https:\/\/www.metlife.com\/oralfitnesslibrary\/)\n- [Personal Finance](https:\/\/www.metlife.com\/stories\/personal-finance\/)\n- [Retirement Planning](https:\/\/www.metlife.com\/stories\/retirement)\n\nEnter your search here\n\n0 of 0 Search Results\n\nDisplaying\n\n10 results\n\n- 10 results\n- 20 results\n- 30 results\n\nGrid View\n\nList View\n\nNo Results\n\nSorry, we couldn't find any results matching\n\nPlease:\n\n- Check the spelling and try again\n- Search using fewer terms\n- [Click here for Customer Support](https:\/\/www.metlife.com\/support-and-manage\/contact-us\/)\n\nDid you mean  ?\n\nSorry, we couldn't find any results matching\n\nPlease:\n\n- Check the spelling and try again\n- Search using fewer terms\n- [Click here for Customer Support](https:\/\/www.metlife.com\/support-and-manage\/contact-us\/)\n\nof\n\nAccident & Health Insurance\n\n# What Is Critical Illness Insurance? Coverage & Benefits\n3 min read\n\n\\|\n\nMar 20, 2025\n\nWhen you get sick, medical insurance can help cover costs during your recovery. Sometimes though, the expenses associated with recovery from a major illness go beyond standard medical bills. That's where critical illness insurance may help.\n\nWhether you need to take a taxi to a doctor’s appointment, order a nourishing meal delivered to your door or even hire a babysitter while you recover, a payment from critical illness insurance can be used to help cover such expenses or however you see fit. Read on for a closer look at what critical illness insurance is and why you may want to consider getting a policy.\n\n## What is critical illness insurance?\nCritical illness insurance typically provides a lump sum payment when you have a verified diagnosis of a covered illness.\n\nPay-outs can typically be used to cover:\n\n- [Out-of-network treatment](https:\/\/www.metlife.com\/stories\/benefits\/in-network-vs-out-of-network\/)\n- Therapy and rehabilitation\n- Transportation expenses\n- Childcare\n- Lost income\n- Other financial obligations (e.g., mortgage payments)\n\nExactly how much your critical illness plan pays out will depend on your insurance provider and the type of plan you’ve selected.\n\n## What does critical illness insurance typically cover?\nCritical illness plans are designed to provide coverage for illnesses and injuries that have a significant impact on your quality of life. However, the specific list of qualifying conditions may vary based on your insurance provider. Critical illness insurance typically provides a lump-sum payment when you’re diagnosed with or require any of the following:\n\n- Heart attack\n- Stroke\n- Kidney failure\n- Cancer\n- Major organ transplant\n- Alzheimer’s disease\n- Coma\n- Severe burns\n- Paralysis\n- Coronary artery bypass graft\n- Sudden cardiac arrest\n- Benign brain tumors\n- Progressive diseases\n- Infectious disease\n- Childhood diseases\n- Loss of the ability to speak, hear, and\/or see\n\nFor conditions with a possibility of recurrence, such as cancer or stroke, some critical illness plans will provide an additional payout. Be sure to check your policy for details.\n\n## Why enroll in critical illness insurance?\nCritical illnesses are more common than you might think. According to the Centers for Disease Control and Prevention ([CDC](https:\/\/www.cdc.gov\/heart-disease\/data-research\/facts-stats\/?CDC_AAref_Val=https:\/\/www.cdc.gov\/heartdisease\/facts.htm)), someone in the U.S. has a heart attack every 33 seconds.1 When surgery is required for a heart attack, the average cost of emergency treatment can be [\\$100,000 or more](https:\/\/www.pdcenterlv.com\/blog\/the-cost-of-a-heart-attack\/#:~:text=According%20to%20the%20Agency%20for,%24100%2C000%20when%20surgery%20is%20involved.) — even with health insurance.2 And that’s for just one type of critical illness.\n\nThere has also been an increase in strokes, heart disease, and chronic liver disease, and that — along with COVID-19 — has led to a slight drop in life expectancy in the U.S. over recent years.3 So, enrolling in critical illness insurance to protect yourself and your loved ones may be a wise investment.\n\n## How to get critical illness insurance\nEnrolling in a critical illness insurance plan is easy. If your job provides employee critical illness insurance, you can sign up during [open enrollment](https:\/\/www.metlife.com\/stories\/benefits\/what-happens-if-i-miss-open-enrollment\/), during a [qualifying life event](https:\/\/www.metlife.com\/stories\/benefits\/qualifying-life-event\/), or when you first start your job. Premiums are usually handled via payroll deduction, like employee health insurance, so you don’t have to worry about managing additional payments.\n\nIf you’re curious about getting a critical illness plan through your employer, ask your benefits representative if it’s available as a [workplace benefit](https:\/\/www.metlife.com\/stories\/benefits\/employee-benefits\/). You can also purchase an individual plan through an insurance provider.\n\n#### Focus on Your Recovery with Critical Illness Insurance\nExplore the benefits\n\n[Learn More](https:\/\/www.metlife.com\/insurance\/accident-health\/critical-illness-insurance\/)\n\n## You Might Also Like\nWorkplace Benefits\n\n### [Do I Really Need Disability Insurance?](https:\/\/www.metlife.com\/stories\/accident-health\/do-i-really-need-disability-insurance\/)\nRead on to learn more about why you need this important benefit.\n\n2 min read\n\nAccident & Health Insurance\n\n### [What Is Cancer Insurance and What Is It Used For?](https:\/\/www.metlife.com\/stories\/accident-health\/what-is-cancer-insurance\/)\nWith cancer insurance, your insurance provider typically pays you directly — not your healthcare provider.\n\n3 min read\n\nAccident & Health Insurance\n\n### [Critical Illness Insurance vs. Hospital Indemnity](https:\/\/www.metlife.com\/stories\/accident-health\/critical-illness-insurance-vs-hospital-indemnity\/)\nHaving a primary health insurance plan is beneficial for many people, but it has its limits.\n\n5 min read\n\nThis article is intended to provide general information about insurance. It does not describe any MetLife product or feature.\n\n*1 “Heart Disease Facts,” CDC, 2024*\n\n*2 “The Cost of a Heart Attack,” Preventative Diagnostic Center, 2021*\n\n*3 “Life Expectancy in the U.S. Dropped for the Second Year in a Row in 2021,” Centers for Disease Control and Prevention, 2022*\n\n[![MetLife Footer Logo](https:\/\/www.metlife.com\/content\/dam\/metlifecom\/us\/icons-header\/MetLife.png)](https:\/\/www.metlife.com\/)\n\n### About Us\n[Careers](https:\/\/www.metlifecareers.com\/)\n\n[Investor Relations](https:\/\/investor.metlife.com\/overview\/default.aspx)\n\n[Newsroom](https:\/\/www.metlife.com\/newsstories\/)\n\n[Sustainability](https:\/\/www.metlife.com\/sustainability\/)\n\n[MetLife Foundation](https:\/\/www.metlife.com\/sustainability\/MetLife-Foundation\/)\n\n[Corporate Profile](https:\/\/www.metlife.com\/about-us\/corporate-profile\/)\n\n[Our Purpose](https:\/\/www.metlife.com\/about-us\/our-purpose\/)\n\n[Real People Making Real Impact Series](https:\/\/www.metlife.com\/about-us\/real-people-making-real-impact-series\/)\n\n[Willscenter](https:\/\/www.willscenter.com\/)\n\n### Support\n[Contact Us](https:\/\/www.metlife.com\/support-and-manage\/contact-us\/)\n\n[Find a Dentist](https:\/\/providers.online.metlife.com\/findDentist?searchType=findDentistMetLife)\n\n[Find a Vision Provider](https:\/\/www.metlife.com\/insurance\/vision-insurance\/#find-a-provider)\n\n[Register](https:\/\/online.metlife.com\/public\/registration\/index)\n\n[Find a Form](https:\/\/www.metlife.com\/support-and-manage\/forms-library\/)\n\n[File a Claim](https:\/\/www.metlife.com\/support-and-manage\/file-a-claim\/)\n\n[Claim Unclaimed Property](https:\/\/www.metlife.com\/unclaimed-property\/)\n\n[Find an Insurance Policy](https:\/\/www.metlife.com\/policyfinder\/)\n\n[Fraud Awareness](https:\/\/www.metlife.com\/fraud\/)\n\n[Ethics & Fraud HelpLine](https:\/\/www.metlife.com\/fraud\/report-fraud\/)\n\n[Domestic Abuse Confidentiality](https:\/\/www.metlife.com\/support-and-manage\/confidential-communications\/)\n\n[Privacy Request](https:\/\/online.metlife.com\/edge\/web\/public\/privacy)\n\n[INSURANCE](https:\/\/www.metlife.com\/insurance\/)\n\n[BUSINESS & BROKERS](https:\/\/www.metlife.com\/business-and-brokers\/)\n\n[METLIFE INVESTMENT MANAGEMENT](https:\/\/investments.metlife.com\/)\n\n[RETIREMENT & INCOME SOLUTIONS](https:\/\/www.metlife.com\/retirement-and-income-solutions\/)\n\n[PET INSURANCE](https:\/\/www.metlifepetinsurance.com\/)\n\nSelect Country\n\nUSA\n\n- ###### Americas\n- [USA](https:\/\/www.metlife.com\/)\n- [Argentina](https:\/\/www.metlife.com.ar\/)\n- [Brazil](https:\/\/www.metlife.com.br\/)\n- [Chile](https:\/\/w3.metlife.cl\/)\n- [Chile ProVida](https:\/\/www.provida.cl\/)\n- [Colombia](https:\/\/www.metlife.com.co\/)\n- [Mexico](https:\/\/www.metlife.com.mx\/)\n- [Uruguay](https:\/\/www.metlife.com.uy\/)\n- ###### Asia\n- [Australia](https:\/\/www.metlife.com.au\/)\n- [Bangladesh](https:\/\/www.metlife.com.bd\/)\n- [China](https:\/\/www.metlife.com.cn\/)\n- [India](https:\/\/www.pnbmetlife.com\/)\n- [Japan](https:\/\/www.metlife.co.jp\/)\n- [Korea](https:\/\/www.metlife.co.kr\/)\n- [Malaysia](https:\/\/www.ammetlife.com\/)\n- [Nepal](https:\/\/www.metlife.com.np\/)\n- [Vietnam](https:\/\/www.bidvmetlife.com.vn\/)\n- ###### Europe\n- [Bulgaria](https:\/\/www.metlife.bg\/)\n- [Cyprus](https:\/\/www.metlife.com.cy\/)\n- [Czech Republic](https:\/\/www.metlife.cz\/)\n- [France](https:\/\/www.metlife.fr\/)\n- [Hungary](https:\/\/www.metlife.hu\/)\n- [Ireland](https:\/\/www.metlife.com\/about-us\/careers\/ireland-global-opportunities\/)\n- [Italy](https:\/\/www.metlife.it\/)\n- [Poland](https:\/\/www.metlife.eu\/metlifepoland\/)\n- [Portugal](https:\/\/www.metlife.pt\/)\n- [Romania](https:\/\/www.metropolitanlife.ro\/)\n- [Slovakia](https:\/\/www.metlife.sk\/)\n- [Spain](https:\/\/www.metlife.es\/)\n- [Turkey](https:\/\/www.metlife.com.tr\/)\n- [Ukraine](https:\/\/www.metlife.ua\/)\n- [United Kingdom](https:\/\/www.metlife.co.uk\/)\n- ###### Middle East and Africa\n- [Bahrain](https:\/\/www.metlife-gulf.com\/en\/bahrain\/)\n- [Egypt](https:\/\/www.metlife.eg\/)\n- [Jordan](https:\/\/www.metlife.jo\/)\n- [Kuwait](https:\/\/www.metlife-gulf.com\/kuwait\/)\n- [Lebanon](https:\/\/www.metlife.com.lb\/)\n- [Oman](https:\/\/www.metlife-gulf.com\/oman\/)\n- [Qatar](https:\/\/www.metlife-gulf.com\/en\/qatar\/)\n- [United Arab Emirates](https:\/\/www.metlife.ae\/)\n\n[1-800-METLIFE](tel:+18006385433)\n\n[Privacy Center](https:\/\/www.metlife.com\/about-us\/privacy-policy\/)   [Legal Notices](https:\/\/www.metlife.com\/about-us\/terms-and-conditions\/)\n\nMetropolitan Life Insurance Company, 200 Park Ave., New York, NY 10166\n\n© 2026 MetLife Services and Solutions, LLC\n\nL0325047151\\[exp0327\\]\\[All States\\]\\[DC,GU,MP,PR,VI\\]","attrs_readable_markdown":"When you get sick, medical insurance can help cover costs during your recovery. Sometimes though, the expenses associated with recovery from a major illness go beyond standard medical bills. That's where critical illness insurance may help.\n\nWhether you need to take a taxi to a doctor’s appointment, order a nourishing meal delivered to your door or even hire a babysitter while you recover, a payment from critical illness insurance can be used to help cover such expenses or however you see fit. Read on for a closer look at what critical illness insurance is and why you may want to consider getting a policy.\n\nCritical illness insurance typically provides a lump sum payment when you have a verified diagnosis of a covered illness.\n\nPay-outs can typically be used to cover:\n\n- [Out-of-network treatment](https:\/\/www.metlife.com\/stories\/benefits\/in-network-vs-out-of-network\/)\n- Therapy and rehabilitation\n- Transportation expenses\n- Childcare\n- Lost income\n- Other financial obligations (e.g., mortgage payments)\n\nExactly how much your critical illness plan pays out will depend on your insurance provider and the type of plan you’ve selected.\n\n## What does critical illness insurance typically cover?\nCritical illness plans are designed to provide coverage for illnesses and injuries that have a significant impact on your quality of life. However, the specific list of qualifying conditions may vary based on your insurance provider. Critical illness insurance typically provides a lump-sum payment when you’re diagnosed with or require any of the following:\n\n- Heart attack\n- Stroke\n- Kidney failure\n- Cancer\n- Major organ transplant\n- Alzheimer’s disease\n- Coma\n- Severe burns\n- Paralysis\n- Coronary artery bypass graft\n- Sudden cardiac arrest\n- Benign brain tumors\n- Progressive diseases\n- Infectious disease\n- Childhood diseases\n- Loss of the ability to speak, hear, and\/or see\n\nFor conditions with a possibility of recurrence, such as cancer or stroke, some critical illness plans will provide an additional payout. Be sure to check your policy for details.\n\n## Why enroll in critical illness insurance?\nCritical illnesses are more common than you might think. According to the Centers for Disease Control and Prevention ([CDC](https:\/\/www.cdc.gov\/heart-disease\/data-research\/facts-stats\/?CDC_AAref_Val=https:\/\/www.cdc.gov\/heartdisease\/facts.htm)), someone in the U.S. has a heart attack every 33 seconds.1 When surgery is required for a heart attack, the average cost of emergency treatment can be [\\$100,000 or more](https:\/\/www.pdcenterlv.com\/blog\/the-cost-of-a-heart-attack\/#:~:text=According%20to%20the%20Agency%20for,%24100%2C000%20when%20surgery%20is%20involved.) — even with health insurance.2 And that’s for just one type of critical illness.\n\nThere has also been an increase in strokes, heart disease, and chronic liver disease, and that — along with COVID-19 — has led to a slight drop in life expectancy in the U.S. over recent years.3 So, enrolling in critical illness insurance to protect yourself and your loved ones may be a wise investment.\n\n## How to get critical illness insurance\nEnrolling in a critical illness insurance plan is easy. If your job provides employee critical illness insurance, you can sign up during [open enrollment](https:\/\/www.metlife.com\/stories\/benefits\/what-happens-if-i-miss-open-enrollment\/), during a [qualifying life event](https:\/\/www.metlife.com\/stories\/benefits\/qualifying-life-event\/), or when you first start your job. Premiums are usually handled via payroll deduction, like employee health insurance, so you don’t have to worry about managing additional payments.\n\nIf you’re curious about getting a critical illness plan through your employer, ask your benefits representative if it’s available as a [workplace benefit](https:\/\/www.metlife.com\/stories\/benefits\/employee-benefits\/). You can also purchase an individual plan through an insurance provider.","meta_canonical":null,"ml_categories_json":"{\"\/Finance\":845,\"\/Finance\/Insurance\":845,\"\/Finance\/Insurance\/Health_Insurance\":747,\"\/Health\":489,\"\/Health\/Public_Health\":119}","ml_types_json":"{\"\/Article\":993,\"\/Article\/Definitions\":742}","ml_intent_types_json":"{\"Informational\":997,\"Commercial\":166}","meta_language":"en","attrs_author":null,"attrs_publish_time":0,"attrs_original_publish_time":1677033413,"attrs_is_republished":0,"attrs_nr_words":"1852","attrs_boilerpipe_nr_words":"526","body_ext_links_number":76,"body_int_links_number":175,"meta_nofollow":0,"meta_noarchive":0,"props_was_rendered":0,"src_redirect":"","download_time_msec":413,"download_ttfb_msec":184,"download_size":229218}

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What Is Critical Illness Insurance? | MetLife

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Learn what critical illness insurance is, how it works, and the financial protection it provides in case of serious health conditions. Get expert insights with MetLife.

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When you get sick, medical insurance can help cover costs during your recovery. Sometimes though, the expenses associated with recovery from a major illness go beyond standard medical bills. That's where critical illness insurance may help. Whether you need to take a taxi to a doctor’s appointment, order a nourishing meal delivered to your door or even hire a babysitter while you recover, a payment from critical illness insurance can be used to help cover such expenses or however you see fit. Read on for a closer look at what critical illness insurance is and why you may want to consider getting a policy. Critical illness insurance typically provides a lump sum payment when you have a verified diagnosis of a covered illness. Pay-outs can typically be used to cover: Out-of-network treatment Therapy and rehabilitation Transportation expenses Childcare Lost income Other financial obligations (e.g., mortgage payments) Exactly how much your critical illness plan pays out will depend on your insurance provider and the type of plan you’ve selected. What does critical illness insurance typically cover? Critical illness plans are designed to provide coverage for illnesses and injuries that have a significant impact on your quality of life. However, the specific list of qualifying conditions may vary based on your insurance provider. Critical illness insurance typically provides a lump-sum payment when you’re diagnosed with or require any of the following: Heart attack Stroke Kidney failure Cancer Major organ transplant Alzheimer’s disease Coma Severe burns Paralysis Coronary artery bypass graft Sudden cardiac arrest Benign brain tumors Progressive diseases Infectious disease Childhood diseases Loss of the ability to speak, hear, and/or see For conditions with a possibility of recurrence, such as cancer or stroke, some critical illness plans will provide an additional payout. Be sure to check your policy for details. Why enroll in critical illness insurance? Critical illnesses are more common than you might think. According to the Centers for Disease Control and Prevention ( CDC ), someone in the U.S. has a heart attack every 33 seconds. 1 When surgery is required for a heart attack, the average cost of emergency treatment can be $100,000 or more — even with health insurance. 2 And that’s for just one type of critical illness. There has also been an increase in strokes, heart disease, and chronic liver disease, and that — along with COVID-19 — has led to a slight drop in life expectancy in the U.S. over recent years. 3 So, enrolling in critical illness insurance to protect yourself and your loved ones may be a wise investment. How to get critical illness insurance Enrolling in a critical illness insurance plan is easy. If your job provides employee critical illness insurance, you can sign up during open enrollment , during a qualifying life event , or when you first start your job. Premiums are usually handled via payroll deduction, like employee health insurance, so you don’t have to worry about managing additional payments. If you’re curious about getting a critical illness plan through your employer, ask your benefits representative if it’s available as a workplace benefit . You can also purchase an individual plan through an insurance provider.

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Sorry, we couldn't find any results matching Please: - Check the spelling and try again - Search using fewer terms - [Click here for Customer Support](https://www.metlife.com/support-and-manage/contact-us/) of Accident & Health Insurance # What Is Critical Illness Insurance? Coverage & Benefits 3 min read \| Mar 20, 2025 When you get sick, medical insurance can help cover costs during your recovery. Sometimes though, the expenses associated with recovery from a major illness go beyond standard medical bills. That's where critical illness insurance may help. Whether you need to take a taxi to a doctor’s appointment, order a nourishing meal delivered to your door or even hire a babysitter while you recover, a payment from critical illness insurance can be used to help cover such expenses or however you see fit. Read on for a closer look at what critical illness insurance is and why you may want to consider getting a policy. ## What is critical illness insurance? Critical illness insurance typically provides a lump sum payment when you have a verified diagnosis of a covered illness. Pay-outs can typically be used to cover: - [Out-of-network treatment](https://www.metlife.com/stories/benefits/in-network-vs-out-of-network/) - Therapy and rehabilitation - Transportation expenses - Childcare - Lost income - Other financial obligations (e.g., mortgage payments) Exactly how much your critical illness plan pays out will depend on your insurance provider and the type of plan you’ve selected. ## What does critical illness insurance typically cover? Critical illness plans are designed to provide coverage for illnesses and injuries that have a significant impact on your quality of life. However, the specific list of qualifying conditions may vary based on your insurance provider. Critical illness insurance typically provides a lump-sum payment when you’re diagnosed with or require any of the following: - Heart attack - Stroke - Kidney failure - Cancer - Major organ transplant - Alzheimer’s disease - Coma - Severe burns - Paralysis - Coronary artery bypass graft - Sudden cardiac arrest - Benign brain tumors - Progressive diseases - Infectious disease - Childhood diseases - Loss of the ability to speak, hear, and/or see For conditions with a possibility of recurrence, such as cancer or stroke, some critical illness plans will provide an additional payout. Be sure to check your policy for details. ## Why enroll in critical illness insurance? Critical illnesses are more common than you might think. According to the Centers for Disease Control and Prevention ([CDC](https://www.cdc.gov/heart-disease/data-research/facts-stats/?CDC_AAref_Val=https://www.cdc.gov/heartdisease/facts.htm)), someone in the U.S. has a heart attack every 33 seconds.1 When surgery is required for a heart attack, the average cost of emergency treatment can be [\$100,000 or more](https://www.pdcenterlv.com/blog/the-cost-of-a-heart-attack/#:~:text=According%20to%20the%20Agency%20for,%24100%2C000%20when%20surgery%20is%20involved.) — even with health insurance.2 And that’s for just one type of critical illness. There has also been an increase in strokes, heart disease, and chronic liver disease, and that — along with COVID-19 — has led to a slight drop in life expectancy in the U.S. over recent years.3 So, enrolling in critical illness insurance to protect yourself and your loved ones may be a wise investment. ## How to get critical illness insurance Enrolling in a critical illness insurance plan is easy. If your job provides employee critical illness insurance, you can sign up during [open enrollment](https://www.metlife.com/stories/benefits/what-happens-if-i-miss-open-enrollment/), during a [qualifying life event](https://www.metlife.com/stories/benefits/qualifying-life-event/), or when you first start your job. Premiums are usually handled via payroll deduction, like employee health insurance, so you don’t have to worry about managing additional payments. If you’re curious about getting a critical illness plan through your employer, ask your benefits representative if it’s available as a [workplace benefit](https://www.metlife.com/stories/benefits/employee-benefits/). You can also purchase an individual plan through an insurance provider. #### Focus on Your Recovery with Critical Illness Insurance Explore the benefits [Learn More](https://www.metlife.com/insurance/accident-health/critical-illness-insurance/) ## You Might Also Like Workplace Benefits ### [Do I Really Need Disability Insurance?](https://www.metlife.com/stories/accident-health/do-i-really-need-disability-insurance/) Read on to learn more about why you need this important benefit. 2 min read Accident & Health Insurance ### [What Is Cancer Insurance and What Is It Used For?](https://www.metlife.com/stories/accident-health/what-is-cancer-insurance/) With cancer insurance, your insurance provider typically pays you directly — not your healthcare provider. 3 min read Accident & Health Insurance ### [Critical Illness Insurance vs. Hospital Indemnity](https://www.metlife.com/stories/accident-health/critical-illness-insurance-vs-hospital-indemnity/) Having a primary health insurance plan is beneficial for many people, but it has its limits. 5 min read This article is intended to provide general information about insurance. It does not describe any MetLife product or feature. *1 “Heart Disease Facts,” CDC, 2024* *2 “The Cost of a Heart Attack,” Preventative Diagnostic Center, 2021* *3 “Life Expectancy in the U.S. Dropped for the Second Year in a Row in 2021,” Centers for Disease Control and Prevention, 2022* [![MetLife Footer Logo](https://www.metlife.com/content/dam/metlifecom/us/icons-header/MetLife.png)](https://www.metlife.com/) ### About Us [Careers](https://www.metlifecareers.com/) [Investor Relations](https://investor.metlife.com/overview/default.aspx) [Newsroom](https://www.metlife.com/newsstories/) [Sustainability](https://www.metlife.com/sustainability/) [MetLife Foundation](https://www.metlife.com/sustainability/MetLife-Foundation/) [Corporate Profile](https://www.metlife.com/about-us/corporate-profile/) [Our Purpose](https://www.metlife.com/about-us/our-purpose/) [Real People Making Real Impact Series](https://www.metlife.com/about-us/real-people-making-real-impact-series/) [Willscenter](https://www.willscenter.com/) ### Support [Contact Us](https://www.metlife.com/support-and-manage/contact-us/) [Find a Dentist](https://providers.online.metlife.com/findDentist?searchType=findDentistMetLife) [Find a Vision Provider](https://www.metlife.com/insurance/vision-insurance/#find-a-provider) [Register](https://online.metlife.com/public/registration/index) [Find a Form](https://www.metlife.com/support-and-manage/forms-library/) [File a Claim](https://www.metlife.com/support-and-manage/file-a-claim/) [Claim Unclaimed Property](https://www.metlife.com/unclaimed-property/) [Find an Insurance Policy](https://www.metlife.com/policyfinder/) [Fraud Awareness](https://www.metlife.com/fraud/) [Ethics & Fraud HelpLine](https://www.metlife.com/fraud/report-fraud/) [Domestic Abuse Confidentiality](https://www.metlife.com/support-and-manage/confidential-communications/) [Privacy Request](https://online.metlife.com/edge/web/public/privacy) [INSURANCE](https://www.metlife.com/insurance/) [BUSINESS & BROKERS](https://www.metlife.com/business-and-brokers/) [METLIFE INVESTMENT MANAGEMENT](https://investments.metlife.com/) [RETIREMENT & INCOME SOLUTIONS](https://www.metlife.com/retirement-and-income-solutions/) [PET INSURANCE](https://www.metlifepetinsurance.com/) Select Country USA - ###### Americas - [USA](https://www.metlife.com/) - [Argentina](https://www.metlife.com.ar/) - [Brazil](https://www.metlife.com.br/) - [Chile](https://w3.metlife.cl/) - [Chile ProVida](https://www.provida.cl/) - [Colombia](https://www.metlife.com.co/) - [Mexico](https://www.metlife.com.mx/) - [Uruguay](https://www.metlife.com.uy/) - ###### Asia - [Australia](https://www.metlife.com.au/) - [Bangladesh](https://www.metlife.com.bd/) - [China](https://www.metlife.com.cn/) - [India](https://www.pnbmetlife.com/) - [Japan](https://www.metlife.co.jp/) - [Korea](https://www.metlife.co.kr/) - [Malaysia](https://www.ammetlife.com/) - [Nepal](https://www.metlife.com.np/) - [Vietnam](https://www.bidvmetlife.com.vn/) - ###### Europe - [Bulgaria](https://www.metlife.bg/) - [Cyprus](https://www.metlife.com.cy/) - [Czech Republic](https://www.metlife.cz/) - [France](https://www.metlife.fr/) - [Hungary](https://www.metlife.hu/) - [Ireland](https://www.metlife.com/about-us/careers/ireland-global-opportunities/) - [Italy](https://www.metlife.it/) - [Poland](https://www.metlife.eu/metlifepoland/) - [Portugal](https://www.metlife.pt/) - [Romania](https://www.metropolitanlife.ro/) - [Slovakia](https://www.metlife.sk/) - [Spain](https://www.metlife.es/) - [Turkey](https://www.metlife.com.tr/) - [Ukraine](https://www.metlife.ua/) - [United Kingdom](https://www.metlife.co.uk/) - ###### Middle East and Africa - [Bahrain](https://www.metlife-gulf.com/en/bahrain/) - [Egypt](https://www.metlife.eg/) - [Jordan](https://www.metlife.jo/) - [Kuwait](https://www.metlife-gulf.com/kuwait/) - [Lebanon](https://www.metlife.com.lb/) - [Oman](https://www.metlife-gulf.com/oman/) - [Qatar](https://www.metlife-gulf.com/en/qatar/) - [United Arab Emirates](https://www.metlife.ae/) [1-800-METLIFE](tel:+18006385433) [Privacy Center](https://www.metlife.com/about-us/privacy-policy/) [Legal Notices](https://www.metlife.com/about-us/terms-and-conditions/) Metropolitan Life Insurance Company, 200 Park Ave., New York, NY 10166 © 2026 MetLife Services and Solutions, LLC L0325047151\[exp0327\]\[All States\]\[DC,GU,MP,PR,VI\]

Readable Markdown

When you get sick, medical insurance can help cover costs during your recovery. Sometimes though, the expenses associated with recovery from a major illness go beyond standard medical bills. That's where critical illness insurance may help. Whether you need to take a taxi to a doctor’s appointment, order a nourishing meal delivered to your door or even hire a babysitter while you recover, a payment from critical illness insurance can be used to help cover such expenses or however you see fit. Read on for a closer look at what critical illness insurance is and why you may want to consider getting a policy. Critical illness insurance typically provides a lump sum payment when you have a verified diagnosis of a covered illness. Pay-outs can typically be used to cover: - [Out-of-network treatment](https://www.metlife.com/stories/benefits/in-network-vs-out-of-network/) - Therapy and rehabilitation - Transportation expenses - Childcare - Lost income - Other financial obligations (e.g., mortgage payments) Exactly how much your critical illness plan pays out will depend on your insurance provider and the type of plan you’ve selected. ## What does critical illness insurance typically cover? Critical illness plans are designed to provide coverage for illnesses and injuries that have a significant impact on your quality of life. However, the specific list of qualifying conditions may vary based on your insurance provider. Critical illness insurance typically provides a lump-sum payment when you’re diagnosed with or require any of the following: - Heart attack - Stroke - Kidney failure - Cancer - Major organ transplant - Alzheimer’s disease - Coma - Severe burns - Paralysis - Coronary artery bypass graft - Sudden cardiac arrest - Benign brain tumors - Progressive diseases - Infectious disease - Childhood diseases - Loss of the ability to speak, hear, and/or see For conditions with a possibility of recurrence, such as cancer or stroke, some critical illness plans will provide an additional payout. Be sure to check your policy for details. ## Why enroll in critical illness insurance? Critical illnesses are more common than you might think. According to the Centers for Disease Control and Prevention ([CDC](https://www.cdc.gov/heart-disease/data-research/facts-stats/?CDC_AAref_Val=https://www.cdc.gov/heartdisease/facts.htm)), someone in the U.S. has a heart attack every 33 seconds.1 When surgery is required for a heart attack, the average cost of emergency treatment can be [\$100,000 or more](https://www.pdcenterlv.com/blog/the-cost-of-a-heart-attack/#:~:text=According%20to%20the%20Agency%20for,%24100%2C000%20when%20surgery%20is%20involved.) — even with health insurance.2 And that’s for just one type of critical illness. There has also been an increase in strokes, heart disease, and chronic liver disease, and that — along with COVID-19 — has led to a slight drop in life expectancy in the U.S. over recent years.3 So, enrolling in critical illness insurance to protect yourself and your loved ones may be a wise investment. ## How to get critical illness insurance Enrolling in a critical illness insurance plan is easy. If your job provides employee critical illness insurance, you can sign up during [open enrollment](https://www.metlife.com/stories/benefits/what-happens-if-i-miss-open-enrollment/), during a [qualifying life event](https://www.metlife.com/stories/benefits/qualifying-life-event/), or when you first start your job. Premiums are usually handled via payroll deduction, like employee health insurance, so you don’t have to worry about managing additional payments. If you’re curious about getting a critical illness plan through your employer, ask your benefits representative if it’s available as a [workplace benefit](https://www.metlife.com/stories/benefits/employee-benefits/). You can also purchase an individual plan through an insurance provider.

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