Overview
When facing Cancer, Heart Attack, or Stroke, financial stress shouldn’t be part of the equation. This plan pays a one-time cash benefit directly to you after a covered diagnosis, so you can manage care, family needs, and living expenses on your terms—not a claim form’s.
How It Works
If you’re diagnosed with a covered Cancer, Heart Attack, or Stroke, this plan pays a lump-sum cash benefit directly to you. There are no restrictions on how you use the funds—whether it’s for treatment costs, out-of-network care, travel, lodging, household bills, childcare, or support at home. Once your claim is approved, payment is made in one straightforward amount, giving you financial flexibility when priorities shift and schedules change. This allows you to focus on recovery while maintaining stability in the areas of life that need it most.
What the Base Policy Provides
- Lump-sum cash benefit paid directly to you
- Flexible use — not tied to medical billing or networks
- One benefit payment after covered diagnosis
- Can be used alongside your existing health insurance
- Simple claims process with direct payout
Ways You Can Use Your Benefit
- Treatment costs, medications, and specialist visits
- Travel or lodging for care away from home
- Home health support or caregiving needs
- Mortgage, rent, or monthly bills
- Childcare, transportation, or household help
- Lost income or time away from work
- Additional support to maintain daily routines during recovery
Contact Information
Phone
Hours
Monday - Friday 8:00 AM - 6:00 PM CT
Frequently Asked Questions
What does this coverage pay for?
You’ll receive a lump-sum cash benefit after a covered Cancer, Heart Attack, or Stroke diagnosis. Because payment goes directly to you, it can be used for any expense—medical bills, travel, housing, family support, or everyday costs.
Do I have to use the benefit for medical expenses only?
No. One of the key advantages is flexibility. You decide how to use the benefit, whether that’s treatment-related bills or day-to-day living needs.
When is the benefit paid?
Once a covered diagnosis is confirmed and your claim is approved, you receive one lump-sum payment. There are no ongoing reimbursement forms or itemized expense submissions.
Can this be combined with my health insurance?
Yes. This benefit is separate from health insurance. It is not tied to network rules, copays, deductibles, or provider billing. You may use it alongside any existing coverage.
Does the payment go to my doctor or hospital?
No. Funds are paid directly to you, not to a medical provider. You choose how and where the money is applied.
Is enrollment limited to certain age groups?
Eligibility details can vary. Contact an AMBA licensed insurance agent to confirm if you are eligible.
How do I apply?
Contact a licensed representative at AMBA today by calling 1-888-560-ALUM (2586)