Intensive Care Unit (ICU) Insurance
Pays a cash benefit if you are admitted to an ICU due to a covered illness or injury.
Why Intensive Care Unit Insurance?
For critically ill patients, the ICU is a lifeline. It provides constant monitoring and lifesaving interventions to help them recover.
If you have a qualifying ICU stay, the policy pays a fixed benefit amount directly to you, and you can use it for medical bills or everyday expenses. This coverage is designed to supplement – not replace – your traditional health insurance/major medical insurance.
ICU stays are often unexpected and can be costly. Having additional financial support can help during recovery.
Consider the Facts
5 million
More than five million people end up in the ICU every year in the United States, according to the Society of Critical Care Medicine.1
$3K-$4K/day
The average cost of ICU care in the U.S., according to the National Institutes of Health, is $3,000-$4,000 per day.2
ICU Insurance FAQs
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Does ICU Insurance pay in addition to my health insurance?Yes. ICU Insurance pays cash benefits regardless of what your medical insurance covers. You can use the benefits for out-of-pocket costs or everyday expenses.
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How are benefits paid for an ICU stay?Benefits are paid as a fixed amount per day or lump sum for a covered ICU admissions based on the terms of your policy.
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How do I buy Wise ICU Insurance?
Wise ICU Insurance is available as an individual policy rider. Learn more on our NTA Life website.
Sources:
1. sccm.org/communications/critical-care-statistics#CriticalCarePatients, “Critical Care Statistics,” 2024.
2. pmc.ncbi.nlm.nih.gov/articles/PMC12610864, “Cost-Effectiveness in Critical Care,” 2025.