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| Critical
Illness Insurance |
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| Critical
Illness |
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Critical Illness insurance can help relieve the financial impact of
a sudden, life-threatening event by helping to pay the direct and
indirect costs of the illness. The policy provides a lump sum cash
benefit upon the first diagnosis of a covered critical illness after
the policy effective date. Covered critical illnesses are limited
to the specific definitions found in the policy. Covered illnesses
include: |
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| Heart
Attack |
Permanent
paralysis |
| Stroke |
Major
organ transplant surgery |
| Cancer |
End-stage
renal (kidney) failure |
| Burns |
Coronary
bypass surgery |
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| Critical
Illness insurance does not require a specific expense for payout.
It is intended to help cover some of the expenses not covered by medical
insurance, such as experimental treatments, out-of-pocket deductibles
and copays, child care, travel expenses, and more.
If you are diagnosed with a covered illness, this plan will pay
you an amount that depends on the illness.
Coverage is available for yourself, for yourself and your
children or for your entire family.
Limited or no medical underwriting will be required if the amount
of coverage being applied for does not exceed certain limits.
For a complete description of this benefit please follow the link
below to the product brochure.
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| Who
can have this coverage? |
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| Employee
Only, 1 Parent Family and 2 Parent family coverage was available. Please
see the product brochure. |
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| I
already have Critical Illness insurance. Can I cancel it and keep
this policy? |
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Before you make a decision to replace existing insurance with new
insurance you should contact your current insurance company. You should
also consider your age and any changes in your health when evaluating
a replacement policy.
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