Critical Illness Insurance with Wellness Benefits

 

The Guaranteed Acceptance Critical Illness policy provides benefits for invasive cancer, heart attack, stroke, coronary artery disease, end-stage renal failure, and major organ failure, and also includes cash disease screening benefits:

​

• Up to $30,000 of tax-free, Guaranteed Acceptance, lump sum benefit face amount payable twice for two of the following illnesses (maximum of $60,000 for two different illnesses): heart attack, stroke, invasive cancer, renal failure, and major organ failure.

• No medical examinations or blood tests required to be covered.

• Coverage also is available for spouses and children.

• Up to $7,500 (25% of face amount) of tax-free, lump sum benefits for coronary artery disease or carcinoma in situ (localized cancer). Either of these benefits are payable once.

• Up to $1,500 (5% of face amount) of tax-free, lump sum benefits for skin cancer.

• Individual plan is portable for continuation of coverage after change of occupation or retirement.

• $100 Cash Wellness Screening Benefits yearly for: mammogram, PSA prostate test, chest x-ray, colonoscopy, stress test, PAP test, glucose test, etc., for both employee and covered spouse.

• Pays cash lump sum benefits in addition to all other benefits, including workers’ compensation.

• Provides cash benefits to cover deductibles, co-pays, and expenses not covered by Major Medical.

• Optional occupational HIV benefit.

• Employees do not have to be hospital confined to collect cash benefits.

• Premiums are paid through convenient payroll deduction or bank draft.