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Why do you need this coverage?
The reality no one wants to face unprepared
Thanks to medical advances, more people survive critical illnesses — but they also face unexpected costs that regular health insurance doesn't cover. Recovering from a heart attack can keep you out of work for two weeks to three months. 51% of cancer patients end up with medical debt.
Active Care gives you cash when you receive a covered diagnosis — to use however you want: deductibles, rent, medications, gas, or simply living while you recover.
Key difference: Even if you already have health insurance, Active Care pays on top of it, with no restrictions on how you use the money.
3 coverage types available
Choose based on what you most need to protect
🦀 Cancer only
Cancer diagnosis100% of the benefit amount
Carcinoma in situ (early stage)25%
Skin cancer (melanoma / non-melanoma)$300 one-time
Cancer Annual Care (1 year later)$75/year for 5 years
Second diagnosis (if it returns)20%–100%
❤️ Heart and Stroke
Heart attack100% of the benefit amount
Stroke100% of the benefit amount
Coronary bypass surgery50%
Angioplasty / Stent / TIA25% c/u
Heart/Stroke Annual Care$75/year for 5 years
Second event20%–100%
⭐ Combined coverage (the most complete)
Includes EVERYTHING above:Cancer + Heart + Stroke
The same limits and exclusions applyMaximum protection
Available benefit amount: Choose between $5,000 and $100,000. For children: 50% of the selected amount.
$5K$10K$20K$30K$40K$50K$60K$70K$80K$90K$100K
If the illness comes back — you get paid again
Subsequent diagnosis benefit
If cancer returns, or you have a second heart attack or stroke, you can receive another payment. The percentage grows with the time elapsed since the previous diagnosis:
📈 Subsequent diagnosis benefit
13–24 months
20%
25–36 months
40%
37–48 months
60%
49–60 months
80%
61+ months
100%
1 in 6 people diagnosed with cancer had a different cancer before. 1 in 4 stroke survivors will have another. 1 in 5 heart attack patients will be readmitted within 5 years.
Optional add-on coverage
Customize your protection — Level 1 and Level 2 available
Critical Conditions Rider: Also covers permanent blindness, coma, paraplegia, major organ transplant, kidney failure, Alzheimer's, ALS, Parkinson's, multiple sclerosis and more — amounts between 25% and 100% of the selected benefit.
💰 Return of Premium — if you don't use the coverage, you get your money back!
With the optional Return of Premium rider, every 20 years you get back the premiums you've paid minus any claims made.
No claims
$9,600 returned
Small claim
$7,600 returned
Large claim
$0 returned
Illustrative example. Available up to age 75. Check availability in your state.
Washington National guarantees
Commitments written into your policy
💰 Paid directly to you
Or to whoever you choose. No middlemen.
📋 Paid regardless of other insurance
It pays independently of your other health insurance.
🕑 No premium increase with age
Your rate doesn't go up just because you have a birthday.
♾️ Renewable for life
As long as you pay, your coverage is guaranteed.
🔒 They can't raise it on you alone
Only if rates change for everyone in your state.
🚌 Fully portable
Change jobs, move, retire — you don't lose your coverage.
Who can get it?
Family coverage options
👤
Individual
For you only
💑
+ Spouse
You and your partner
👨👧
+ Child(ren)
50% of the benefit amount for children
👪
Family
Your whole family covered
Want protection against critical illness?
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