Why Intensive Care Unity 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
$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
-
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.
-
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.
-
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.