Premiums vary based on age. (Example: The monthly premium for $30,000 of CI insurance for a 40-year-old member is around $16/mo.) Benefits paid under this CI policy are in addition to any other benefits you may receive, and are paid directly to you.

Flexible Coverage Amounts

Members who are 64 years old or younger may enroll for up to $30,000 of coverage, in $10,000 increments, allowing you to select the right level of insurance protection for yourself. At age 70, your coverage amount reduces to 50% of the initial coverage amount.

A Spouse/Domestic Partner (DP) may enroll for coverage up to $15,000 and children up to $15,000, in $5,000 increments. Neither the Spouse/Domestic Partner or children can exceed 50% of the member benefit.

No Restrictions On How You Use Your Benefit Payment

Even with health insurance, out-of-pocket medical and non-medical expenses such as deductibles or co-pays can really cause financial strain. With Critical Illness insurance, there are no limitations in how you use your benefit payments. The money can be used for anything you choose, such as home care and treatment, recuperation aid, mortgage payments or rent, child care, over-the-counter medications, groceries, college tuition, or travel to a treatment center.

Benefits are payable directly to you, as per the terms of the policy.

Does Not Terminate After One Benefit Payment

A reoccurrence benefit is a part of our standard offering and allows an insured to receive additional benefit payments for the second diagnosis of a previously covered condition up to a maximum benefit amount. The reoccurence benefit is payable at 100% of the amount paid for the first occurrence of the critical illness.

Coverage of These Ten Conditions

100% of the Amount of Insurance Payable For:

• Invasive Cancer
• Heart Attack
• Major Organ Failure
• Stroke
• Renal Failure
• Alzheimer's Disease

25% of the Amount of Insurance Payable For:

• Cancer in Situ
• Severe Coronary Artery Disease
• Severe Heart Valve Malfunction
• Coma

The Lifetime Maximum Benefit is 200% of your amount of Insurance.

Additional Benefits

National Cancer Institute (NCI) Evaluation Benefit Amount Payable

• $500; plus
• $250 for the transportation and lodging of the Covered Person requiring the evaluation if the NCI facility is more than 100 miles from the Covered Person’s primary residence.

Transportation Benefit Amount Payable

• The actual charges insured for travel by train, plane or bus
• Noncommercial travel of $0.50 per mile for travel by personal car
• Up to annual maximum of $1,000 per calendar year
• Excludes hospitals or medical facilities within 50 miles one way, from coverage person’s primary residence.

Lodging Benefit Amount Payable

• $100 per day for up to 60 days per calendar year per covered person receiving treatment
• Excludes hospitals or medical facilities within 50 miles one way, from the covered person’s primary residence. Not payable for lodging occurring more than 24 hours prior to treatment nor for lodging occurring more than 24 hours following treatment.

Lodging Benefit Annual Limit

• The Lodging Benefit is limited to 60 days per calendar year for each Covered Person receiving treatment during that visit.

Quick Payout Process to Policyholder

A lump sum is paid to the policyholder if he or she is diagnosed with a specific illness stated on an insurance company’s predetermined list.