Beam Critical Illness: What you need to know about coverage

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Beam Critical Illness provides financial support should a qualifying serious illness happen.

A life-changing illness can happen at a moment’s notice – having supplemental health coverage that supports a traditional medical plan can offer financial assistance and peace of mind during a major health event.

At Beam Benefits, we offer a full suite of ancillary benefits, including Beam Critical Illness plans, to provide our members and their families with income relief when facing a life-threatening illness or disease.

What is Beam Critical Illness?

Beam Critical Illness is supplemental health coverage that provides extra protection and financial security should a qualifying serious illness happen, such as a heart attack, stroke, or cancer.

Beam Critical Illness plan highlights:

  • Benefits are paid directly to the member through a lump-sum cash payment
  • Plans feature no deductible and no lifetime maximum benefit amount1
  • Guaranteed issue coverage available with no pre-existing condition limitations

Get information about Beam Critical Illness. Explore the benefits.

The benefits of Beam Critical Illness for members

A critical illness benefit plan helps offset treatment and non-medical expenses, such as a mortgage, groceries, and childcare services, associated with a serious illness or disease so a member and their family can focus on their health.

Coverage for the unexpected
Beam Critical Illness provides financial protection should a serious illness happen.

Simple, straightforward payout
Benefits are paid directly to the Beam member without spending restrictions.

With you each step of the way
Coverage is guaranteed for employees and eligible dependents.

Discover the unexpected benefits of Beam Critical Illness. Check out this case study example.

Beam Critical Illness terms to know

Covered conditions
Serious illnesses that carry a high risk of mortality or can negatively impact a person’s daily functioning or quality of life.

Date of diagnosis
The date of the diagnosis must occur after the insured person’s effective date of coverage for benefits to be payable under the plan.

What illnesses are covered by Beam Critical Illness?

Beam Critical Illness covers conditions and diseases defined as critical illnesses. Major health events include but are not limited to:

Base conditions

  • Benign brain tumor
  • Coronary artery bypass
  • Coronary artery stent
  • End-stage renal failure
  • Heart attack
  • Cancer (invasive)
  • In situ Cancer (non-invasive)
  • Skin cancer
  • Major organ failure
  • Stroke

Advanced conditions
Includes base conditions

  • Blindness
  • Coma
  • Loss of hearing
  • Loss of limbs
  • Loss of speech
  • Permanent paralysis
  • Severe burns
  • Progressive diseases, including advanced Alzheimer’s, advanced Parkinson’s, major head trauma, motor neuron disease (ALS), multiple sclerosis, and muscular dystrophy

Who should get Beam Critical Illness coverage?

Individuals with insufficient savings to pay for large, unexpected medical bills may consider Beam Critical Illness coverage. As health care costs and high-deductible health plans (HDHP) are on the rise, having a critical illness plan can help alleviate the financial burden of an unexpected illness.

Along with people who have a limited budget for unforeseen medical expenses, the following groups benefit most from Beam Critical Illness:

  • People with a family history of certain serious conditions, such as cancer or heart disease
  • Older individuals, especially those with risk factors like smoking or drinking
  • Individuals in need of dependent coverage for their spouse or children

See which states offer Beam Critical Illness.

Complement health plans with supplemental coverage

Beam Critical Illness is one of several supplemental health plans that can be a cost-effective add-on to traditional coverage.

  • Beam Accident
    Direct, lump-sum payment made in the event of an accident or injury, including non-medical expenses during recovery.
  • Beam Hospital Indemnity
    Per-day cash benefit that may cover an inpatient hospital stay due to an accident or illness.

The bottom line

In an ever-changing world of health uncertainties, Beam Critical Illness provides financial security and peace of mind. It safeguards individuals and families from the crippling financial burdens often accompanying a serious illness, allowing them to focus on recovery rather than worrying about medical bills.

Compare rates on Beam Critical Illness coverage plans in your area. Click here to get started on a free quote.

1 See insurance certificate for timeline requirements between critical illness claims.

Accident, Hospital only Indemnity and Critical Illness insurance products are underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA) and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Product availability may vary by state. Accident coverage applicable to policy form GCAS AO L20, or state equivalent, Hospital policy form GHOI AO L20, or state equivalent and Critical Illness policy form GCI AO L20, or state equivalent. Program restrictions and exclusions apply.


Nationwide and Beam Insurance Services LLC are separate and non-affiliated companies.

Nationwide Life Insurance Company, One Nationwide Plaza, Columbus, OH 43215