Critical illness and cancer insurance
You receive a lump sum when diagnosed with a critical illness, to use as you need.

What it usually covers
- Cancer
- Heart attack and cardiovascular disease
- Kidney failure and transplants
- Payment on diagnosis, depending on the plan
Coverage, sums insured and exclusions vary by insurer and plan. We show you the terms of each option before you buy.
Get a quote on WhatsApp
5insurers offer this coverage. We compare their options for you.
Critical illness insuranceWhat you need to get a quote and buy
- Health questionnaire: prior diagnoses of the covered illnesses are not accepted.
- Age within the policy limits.
- Sum insured and beneficiaries.
- Official ID and proof of address.
- Keep in mind the waiting period from the start of the policy.
This is a general guide: each insurer may ask for more details or documents. Below, on the policies that publish them, you will see what their insurer asks for.
Products from each insurer
10 products from 5 insurers, with their official description and a link to each company's page.
We translated each product's summary, coverages and requirements. Product names stay as each insurer publishes them, and the insurer's policy terms in Spanish are what apply.

Seguro de Cáncer Afirme
Pays you a sum insured at the first diagnosis of cancer. It works independently of, and in addition to, any major medical insurance.
- Immediate payment on the first cancer diagnosis: MX$250,000 (Plan A) or MX$500,000 (Plan B).
- Death: MX$25,000 (Plan A) or MX$50,000 (Plan B).
- Independent of and in addition to any medical expense insurance.
- Free blood chemistry panel (6 or 12 elements) and nutritional, psychological and second-opinion assistance.
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- 1-year term plan with automatic renewal; annual, semiannual, bimonthly or monthly payment.
What they ask for to buy it
- No medical exam needed.

Protecáncer
AXA life insurance that pays the sum insured if you are diagnosed with cancer, to use as you need.
- Non-metastatic cancer: advance of 50% of the sum insured.
- Metastatic cancer: payment of 100% of the sum insured.
- Death: your beneficiaries receive the sum insured.
- Your 24-hour doctor: medical advice by phone, home visits at a preferential cost and emergency ambulance.
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- Discounts on medicines and referrals to laboratories and imaging centers.
Bupa Critical Care
Bupa international insurance that covers treatment of critical illnesses, with a maximum coverage of US$1 million per insured person per year.
- Cancer (chemotherapy, radiotherapy and surgery) up to US$200,000.
- Heart surgery and angioplasty, neurological diseases and severe trauma up to US$150,000 each.
- Severe burns up to US$300,000 and chronic kidney failure (dialysis) up to US$100,000.
- Heart, lung, liver, kidney, pancreas or bone marrow transplants, from US$200,000 to US$300,000.
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- Pre-approved air ambulance up to US$25,000.

Hospitalización Diaria
Hospitalización Diaria is individual medical insurance that pays the insured a daily benefit of the chosen amount if, during the policy period and as a direct result of a covered accident or illness, they must be admitted to hospital for medical or surgical treatment.
- You can insure your financial dependents.
- Daily benefit for hospitalization, childbirth or C-section, as well as for complications during pregnancy.
- No deductible and no coinsurance.
- Age limit: 60 for new policies, renewal up to age 69.
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- Payment of the sum insured when the insured person is hospitalized.
- Daily benefit from MX$200 to MX$10,000 according to the policyholder's income stated in the application, during the policy term.
- Waiting period of 1 to 5 days.
- Maximum period of 180 days of hospitalization while the policy remains in force.
- Choose the waiting period and the benefit amount.

Indemnización por Incapacidad
Indemnización Diaria por Incapacidad is individual medical insurance that pays the insured if, during the policy period and as a direct result of an accident or illness, they suffer temporary disability or loss of abilities that prevents them from working for a time.
- You can extend the coverage to include maternity disability.
- No deductible and no coinsurance.
- Age limit: from 18 to 64 for new policies, and lifetime for renewals.
- Payment of the sum insured when the insured person has a temporary disability, according to the general conditions.
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- Daily benefit from MX$200 to MX$10,000 according to the policyholder's income stated in the national application.
- Waiting period chosen from 3 to 15 days.
- Maximum period of 52 weeks of temporary disability per event while the policy remains in force.
- Choose the waiting period and the benefit amount.

Previcáncer
The benefit is payable as long as the first symptoms or first medical expense for diagnosing or treating cancer occur while the insurance is in force, after the waiting period.
- No deductible and no coinsurance.
- Minors can be the policyholders.
- Simpler underwriting: you only answer a 4-question questionnaire.
- Age limit: 60 for new policies, renewal up to age 69.
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- The sum insured is not reinstated, so the policy benefits end automatically once the benefit is paid.
- Insurance application: answer a simple medical questionnaire.
- The waiting period is 90 days.
- Choose a package and, with it, your sum insured.

Protégela y Protégelo
The designated beneficiaries receive the sum insured.
- Accidental death: the sum insured is paid to the designated beneficiaries.
- Vital organ transplant: the sum insured is paid in two installments for a heart, lung, liver, kidney, pancreas or bone marrow transplant.
- Cervical cancer benefit: the sum insured is paid in four installments according to the general conditions.
- Breast cancer diagnosis benefit: the sum insured is paid in four installments according to the general conditions.
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- Benefit for a prosthesis after radical breast cancer surgery: the sum insured is paid in four installments according to the general conditions.
- Daily benefit for cancer hospitalization: the sum insured is paid in four installments according to the general conditions.
- Loss of limbs or faculties: the sum insured is paid according to Scale "A" in the general conditions.
- Heart attack: the sum insured is paid in two installments according to the general conditions.
- Paralysis of the limbs: the sum insured is paid in two installments according to the general conditions.
- Vital organ transplant: the sum insured is paid in two installments for a heart, lung, liver, kidney, pancreas or bone marrow transplant.

Seguro Protección Médica a Tu Medida Individual
MAPFRE's Protección Médica a Tu Medida medical insurance is an innovative product that gives you protection tailored to you.
- Medical fees: covers fees of the surgeon, anesthesiologist, assistant doctors and surgical technician, as well as fees for medical consultations, post-operative visits, and medical and/or surgical treatments.
- Diagnostic services: if ordered by the treating doctor and necessary, covers lab tests, imaging, X-rays, electrocardiograms, electroencephalograms, physical therapy and more.
- Medicines: covers medicines given in the hospital and those bought outside it, needed to treat an illness or accident.
- Ambulance: covers ground or air ambulance expenses incurred in Mexico.
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- Medical assistance: phone medical assistance 24 hours a day, 365 days a year.
- Wide range of deductible options.
- Accepted ages up to 64.

Seguro Recuperación Médica RM15
Recuperación Médica 15 is individual medical insurance that covers the 15 most frequent causes of claims, as well as children's accidents.
- No deductible and no coinsurance.
- Simpler underwriting: you only answer a simple questionnaire.
- Treatment can be in a public or private hospital.
- Most forms of cancer
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- Age limit: 60 for new policies, renewal up to age 69.
- Choose a package with the sum insured you want.
Flexi Cáncer
PALIG insurance that helps you with the costs of a cancer diagnosis that your health plan does not cover, and with household expenses.
- Financial support after a cancer diagnosis.
- Help with costs your health plan or other medical coverage does not cover.
- Can also be used for everyday expenses that strain the household budget.
Frequently asked questions
Critical illness insurance: how much does it cost?
It depends on what you want to protect, the sum insured, the deductible and the insurer. We get quotes from several companies so you can compare price and coverage.
Which insurers offer critical illness insurance across Mexico?
At 1SEGUROS we quote critical illness insurance with Afirme, AXA, Bupa, MAPFRE and PALIG.
How do I sign up?
Message us on WhatsApp at +52 999 316 7145 from anywhere in Mexico, or visit our office in Colonia Yucatán, Mérida. We ask for the information we need, show you options and issue your policy.
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Critical illness and cancer insurance
You receive a lump sum when diagnosed with a critical illness, to use as you need.



