CRITICAL ILLNESS INSURANCE PAYS YOU!
More Americans than ever are surviving critical illnesses
In many cases only to be devastated financially
What happens to your business or your financial responsibilities if you are unable to
work for an extended period of time
.three months six months or even a year?
With a lump sum payment from a critical illness policy it allows you to:
pay deductibles & coinsurance on your health plan, replace lost income for all
monthly expenses, travel and non medical expenses related to a major illness.
A major illness affects more than the individual that is diagnosed. If your spouse is
diagnosed with a critical illness would you send them across the country alone to
receive treatment where their chances of survival are best?
When someone is diagnosed with a life threatening illness they should have only
one concern, getting well. Critical Illness insurance allows you that peace of mind.
Covered Illnesses and Conditions
Critical illness insurance pays 100% of your maximum benefit amount for these illnesses and conditions:
Heart Attack (myocardial infarction) when your:
Heart's blood supply is blocked
Heart has permanent tissue death and scarring
Diagnosis is based on new changes on your electrocardiogram (ECG or EKG) and blood tests
Life-threatening cancer when cancer is:
Malignant; and
Growing uncontrollably outside its original area invading normal tissue
Stroke when:
A blood vessel rupture in the brain; or
A blood clot blocks blood flow through the brain; and
Effects of the neurological injury last for at least 30 days
Major organ transplant when:
There is clinical evidence of major organ failure
Your malfunctioning organ (s) or tissue must be replaced with a suitable donor's organ (s) or tissue; and
You are registered with United Network of Organ Sharing (UNOS)
Pays 100 percent of your maximum benefit for:
Paralysis - means the loss of motor function due to neurological injury. To qualify for the Coverage Amount, the Diagnosis of Paralysis must be made by a Neurological Physician. There must be complete and permanent loss of use of both legs (complete paraplegia or quadriplegia) through neurological trauma or Accident to the spinal cord. The Paralysis must have been present for a continuous period of at least 90 days. To qualify for the Coverage Amount, the Paralysis must first occur after a 30-day Waiting Period. Excluded from coverage is Paralysis resulting from any neurological disease, including but not limited to, Multiple Sclerosis (MS) and Amyotrophic Lateral Sclerosis (ALS).
Kidney Failure - means the chronic and irreversible failure of both kidneys to excrete metabolites or retain electrolytes. To qualify for the Coverage Amount, the Diagnosis of Kidney Failure must be made by a Nephrological Physician. The Kidney Failure must require either chronic dialysis or transplantation and must first occur after a 30-day Waiting Period.
Loss of Limb(s) - The loss of one or more limbs (arms or legs) due to injury. To qualify for the Coverage Amount, the Loss of Limb(s) must involve complete and permanent severance of one or more limbs through or above the elbow or knee joint. The Loss of Limb(s) must be uncorrectable by surgery or any other means. To qualify for the Coverage Amount, the Loss of Limb(s) must first occur after a 30-day Waiting Period.
Pre-existing Condition Limitation Period [24] months following the effective date of coverage under this Policy.
For additional information, Please see Policy Insurance Certificate
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