Critical Illness is a policy that pays an immediate lump sum benefit upon diagnosis of a covered illness.
The policy is a supplement your medical plan designed as a limited benefit policy designed to help a family navigate back to health & work with a less stressful recovery.
Brochure of Benefits – Enhanced Critical Illness Plan!
Major Organ Module, Enhanced Cancer Module and Enhanced Quality of Life Module
Health screening tests include, but are not limited to:
- Blood test for triglycerides
- Pap smear
- Flexible sigmoidoscopy
- CEA (blood test for colon cancer)
- Bone marrow testing
- Serum cholesterol test for HDL & LDL levels
- Hemoccult stool analysis
- Serum Protein Electrophoresis (myeloma)
- Breast ultrasound
- Chest x-ray
- CA 15-3 (breast cancer)
- Stress test on bicycle or treadmill
- Fasting blood glucose test
- PSA (prostate cancer)
Brochure of Benefits – Informational Website including Claims Filing
NO AGE REDUCTIONS
3 X Payment for Each Covered Illness (including expanded benefit modules: Major Organ Module, Enhanced Cancer Module, Quality of Life Module)
12 month waiting between subsequent (same) diagnosis, 0 month between different diagnosis
All policies are Guarantee Issue for Employee, Spouse and Child coverage with no Pre-Existing limitation.
Employee must have coverage to elect coverage on the Spouse and/or children.
The elected lump sum benefit will be paid when a covered person has received diagnosis of one of the covered illness and the claim is filed. The policy will stay in force on the remaining covered family members. This allows additional benefits to be paid under the policy if other family members are diagnosed.
$100 will be paid annually as a Wellness Benefit when filed, and is included on Employee & Spouse Policies for wellness checkups. A $50 Wellness Benefit is payable for Child(ren) for Child Coverage Wellness Checkups.