Critical illness coverage can help you keep your focus on your health when it matters most. This extra coverage can help ease some financial worries during a difficult time.


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The Aetna Critical Illness Plan can help you protect your finances if you are diagnosed with a covered condition. The plan pays cash benefits to you when you are diagnosed with a serious condition like:


  • Heart attack or stroke
  • End stage renal failure
  • Cancer and more


You can use the money to help cover your deductible or everyday expenses like utility bills, mortgage payments and groceries. It’s up to you. Your plan also includes benefits for some serious childhood diseases and conditions. And other diseases, like coronavirus* are covered.


You are guaranteed to be accepted into the plan with no medical questions. Please note: your diagnosis must occur after the coverage effective date to be eligible for benefits.


Your plan also includes a health screening benefit for a covered preventive test. See the Critical Illness – Plan Overview document on the right side of your screen for details of coverage, including limitations and exclusions.


SAP employees can choose to enroll yourself, yourself and child(ren), yourself and spouse, or your family. Your dependent coverage will be based on 50% of the benefit amount you choose for yourself. There is no additional cost to include your children.


Add group critical illness insurance to help offset expenses that may not be covered under your employer's existing medical insurance and disability plans.
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How It Works


Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • How do I file a claim?

    Go to and either “Log In” or “Register”, depending on if you’ve set up your account. Click the “Create a new claim” button and answer a few quick questions. You can even save your claim to finish later. You can also print/mail in form(s) to: Aetna Voluntary Plans, PO Box 14079, Lexington, KY 40512- 4079, or you can ask us to mail you a printed form.


    If you require language assistance, please call Member Services at 1-800-607-3366 and an Aetna representative will connect you with an interpreter. If you’re deaf or hard of hearing, use your TTY and dial 711 for the Telecommunications Relay Service. Once connected, please enter or provide the Aetna telephone number you’re calling.


    Si usted necesita asistencia lingüística, por favor llame al Servicios al Miembro a 1-800-607-3366, y un representante de Aetna le conectará con un intérprete. Si usted es sordo o tiene problemas de audición, use su TTY y marcar 711 para el Servicio de Retransmisión de Telecomunicaciones (TRS). Una vez conectado, por favor entrar o proporcionar el número de teléfono de Aetna que está llamando.

  • How can this help me?

    The Aetna Critical Illness Plan can help you protect your finances if you are diagnosed with a covered serious condition. You can use the money to help cover your deductible or for everyday expenses like utility bills, mortgage payments and groceries. It puts extra money in your pocket so you can focus on recovery.
  • When can I enroll?

    All eligible employees can enroll during annual enrollment. New hires can enroll during their new hire enrollment period. You will not be able to enroll outside of your new hire enrollment period or annual enrollment unless you experience a qualifying life event, like marriage, birth of a child, etc.
  • Do I need to be enrolled in an SAP medical plan to get coverage?

    No, this plan is meant to complement the medical benefits and other insurance.  
  • What if my employment status changes?

    When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the plans' terms and conditions. Although payroll deduction will no longer be available, you can pay Aetna directly. Portability forms are available at or call Member Services at 1-800-607-3366 for assistance.
  • Who is eligible?

    Employees who work a minimum of 24 hours per week can sign up for coverage for themself and eligible dependents during the new hire enrollment eligibility period, during the annual enrollment period or a qualifying life event. No medical questions are asked. The plan is designed to complement, not replace, major medical insurance.
  • Will my rates increase as I get older or if I file a claim?

    Your rates will be based on your age and tobacco usage as of the effective date of your coverage. Rates will not increase due to your age as long as you are enrolled in the plan.
  • Will I have to take a medical exam to get this coverage?

    No, you will not need to take a medical exam or answer any health questions. Your acceptance into the plan is guaranteed.
  • What types of critical illnesses am I covered for?

    The Aetna Critical Illness Plan pays benefits if you are diagnosed with a covered serious condition, like a heart attack, stroke, end stage renal failure, cancer and more. Your benefit summary has a complete listing.
  • When can I cancel coverage?

    You can cancel coverage during annual enrollment or with a qualifying life event.
Learn More

Critical Illness - Plan Overview

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.


Critical Illness Plan Overview
Rate Chart
Aetna Tobacco Critical Illness Rates
Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.