|
|
Huhn Insurance Agency
Lump-Sum Benefits for Injuries, Critical illness, Stroke & More
Cash Benefits When You Need Them Most
An accident or serious illness can turn your world upside down — and bring unexpected expenses your health insurance doesn’t cover. That’s where supplemental plans like accident and critical illness insurance come in. We help residents in your area choose plans that provide a lump-sum cash benefit to help cover things like travel, lost income, or out-of-pocket bills during recovery.
What You Need to Know About These Plans
Want Extra Protection for Life’s “What Ifs”?
Accident insurance pays you directly after covered injuries like broken bones, ER visits, or ambulance rides. Critical illness insurance provides a lump-sum payment if you're diagnosed with conditions like cancer, heart attack, or stroke. These policies don’t replace your health insurance — they support you financially while you focus on healing. Payouts are fast, flexible, and can be used however you choose.
What We Help With
- Comparing accident & critical illness plans from top carriers
- Estimating potential payout amounts and monthly premiums
- Explaining covered injuries, conditions & benefit triggers
- Helping you bundle coverage with life or disability insurance
- Offering options for individuals, families & businesses
- Supporting enrollment with clear guidance — no pressure
Who This Is For
- Active individuals or families with kids in sports or outdoor activities
- Self-employed people without paid sick time or short-term disability
- Anyone with a high-deductible health plan looking for extra protection
- Seniors seeking peace of mind beyond Medicare
- Business owners offering voluntary benefits to employees
Notes & Tips
02
Accident plans can be especially helpful during ski season or for residents who hunt, hike, or bike frequently.
01
Rural residents often face high travel costs for specialty care — a lump-sum benefit helps cover those extra expenses.
03
Critical illness plans offer coverage even if you already have a health plan — they pay you directly, not your doctor.
04
We can help you compare these add-on options year-round.
Frequently Asked Questions
How does accident insurance work?
You receive a fixed cash benefit after covered events — like ER visits, fractures, or ambulance rides — regardless of what your health plan covers.
What’s considered a critical illness?
Each plan defines this differently, but most include cancer, stroke, heart attack, and organ failure. We’ll help you review the fine print.
Can I use the money however I want?
Yes — use it for travel, rent, childcare, groceries, or anything else you need during recovery.
Does this replace my health insurance?
No. It’s designed to work alongside your medical plan by helping with unexpected personal costs.
Are these plans expensive?
Not usually — many are affordable and customizable. We’ll help you find a plan that fits your needs and budget.
Explore Extra Protection for Life’s Unexpected Events
We’ll help you find a plan that gives you peace of mind — and cash when you need it most.
