Critical Illnesses

Critical Illness

Receiving the treatment you need doesn’t have to break your budget.

Seguro de enfermedades críticas | Servicios | TOLIC

Critical illnesses

Many health issues catch us by surprise.

Dealing with them requires specialists as well as specialized medications and procedures that are usually quite expensive. Even if you have a health insurance plan, you may face additional expenses —both direct and indirect— related to your treatment.

With this in mind, TOLIC developed the critical illnesses policy. This policy pays a lump sum upon the diagnosis of any the following conditions:

  • Cancer
  • Heart attack
  • Stroke
  • Permanent renal failure
  • Coronary artery bypass
  • Vital organ transplant (heart, liver, pancreas, lungs, kidneys or bone marrow)

Additional coverages to supplement your policy:


  • Cancer Única – Pays benefits to treat cancer and 30 serious illnesses.
  • Cancer Elite – Pays benefits to treat cancer and 20 illnesses.
  • Hospitalization Due to an Illness – Hospitalization and convalescence coverage with no limit to the number of days.
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Hospitalization due to an illness

This policy pays benefits from the first day of hospitalization.


  • Hospitalization – No limit to the number of days.
  • At-home convalescence for the same number of days you were hospitalized  (Does not require a medical order.)
  • This hospitalization policy covers AIDS
  • Maternity leave (includes single mothers)
  • At-home private nurse, among others

Additional coverages to supplement your policy:

  • Surgical Benefits – Pays compensation if the insured must undergo a surgical procedure due to an illness, due to an injury within 90 days of an accident, and elective surgeries. For example: vasectomy or hysterectomy, among others.
  • Intensive Care Due to an Illness or Accident – Pays a daily amount from the first day of hospitalization as a result of an injury or from the second day of hospitalization due to an illness, up to a maximum of twenty (20) days.
  • Disability Due to an Illness or Accident – This optional coverage can be acquired in periods of 6, 9 and 12 months (short-term disability). Includes work-related disability “illness or accident in the workplace”.
  • Basket of Foods and Services – This optional coverage pays a fixed monthly amount to the surviving spouse/domestic partner or children if the insured dies in an accident. This money can be used for expenses like food, education and utilities. This rider can be combined also with our Accident policy.

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You can combine each policy with your choice of additional coverages.

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