Service<\/strong>\u2014Timely and responsive claims service.<\/li>\n<\/ul>\nYOU Decide How to Use the Cash Benefits<\/h2>\nOur cash benefits provide you with greater coverage options because you get to decide how to use them.<\/h3>\n
Finances<\/strong>
Can help protect your HSAs, savings, retirement plans and 401ks from being depleted.<\/p>\nTravel<\/strong>
You can use your cash benefits to help pay for expenses while receiving treatment in another city.<\/p>\nHome<\/strong>
You can use your cash benefits to help pay the mortgage, rental payments, or perform needed home repairs for your after care.<\/p>\nExpenses<\/strong>
The cash benefit can be used to help pay your family\u2019s living expenses such as bills, electricity and gas.<\/p>\n\n\n\nCRITICAL ILLNESS BENEFIT
(Applicable to Insured, Insured Spouse, and Insured Children)<\/small><\/th>\nBENEFIT AMOUNT<\/th>\n<\/tr>\n<\/thead>\n | \n\n| Cancer:<\/td>\n | <\/td>\n<\/tr>\n | \n| Invasive Cancer<\/td>\n | 100% of Face Amount<\/td>\n<\/tr>\n | \n| Carcinoma in situ<\/td>\n | 25% of Face Amount<\/td>\n<\/tr>\n | \n| Skin Cancer<\/td>\n | $250<\/td>\n<\/tr>\n | \n| Coronary Artery Disease:<\/td>\n | 25% of Face Amount<\/td>\n<\/tr>\n | \n| End Stage Renal Failure<\/td>\n | 100% of Face Amount<\/td>\n<\/tr>\n | \n| Heart Attack (Myocardial Infarction)<\/td>\n | 100% of Face Amount<\/td>\n<\/tr>\n | \n| Major Organ Failure<\/td>\n | 100% of Face Amount<\/td>\n<\/tr>\n | \n| Stroke<\/td>\n | 100% of Face Amount<\/td>\n<\/tr>\n | \n| Health Screening Benefit<\/td>\n | <\/td>\n<\/tr>\n | \n| Insured<\/td>\n | Up to $50 Per Calendar Year<\/td>\n<\/tr>\n | \n| Spouse<\/td>\n | Up to $50 Per Calendar Year<\/td>\n<\/tr>\n | \n| (n\/a for Children)<\/td>\n | <\/td>\n<\/tr>\n | \n| Face Amount for Spouse<\/td>\n | 50% of Face Amount for Named Insured<\/td>\n<\/tr>\n | \n| Face Amount for Dependent Child<\/td>\n | 25% of Face Amount for Named Insured<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n| CRITICAL ILLNESS CLAIMS CHECKLIST<\/th>\n<\/tr>\n<\/thead>\n | \n\n\n Have this information handy to identify your policy:<\/strong><\/p>\n\n- Policy number <\/li>\n
- Policyholder\u2019s name<\/li>\n
- Policyholder\u2019s date of birth <\/li>\n
- Policyholder\u2019s address<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
HEALTH SCREENING BENEFIT <\/strong>(Calendar Year Limit) We will pay this benefit for each day a Covered Person undergoes any of the following Health Screening Tests performed after the Waiting Period and while this Policy is in force.<\/p>\n\n- Stress test on a bicycle or treadmill; 2. Fasting blood glucose test; 3. Blood test for triglycerides; 4. Serum cholesterol test to determine level of HDL and LDL; 5. Bone marrow testing; 6. Breast ultrasound; 7. CA 15-3 (blood test for breast cancer); 8. CA 125 (blood test for ovarian cancer); 9. CEA (blood test for colon cancer); 10. Chest X-ray; 11. Colonoscopy; 12. Flexible sigmoidoscopy; 13. Hemocult stool analysis; 14. Mammography; 15. Pap smear; 16. PSA (blood test for prostate cancer); 17. Serum Protein Electrophoresis (blood test for myeloma); 18. Thermography.<\/li>\n<\/ol>\n
The amount payable is shown in the Policy Schedule. This benefit is payable for no more than one day per calendar year per Covered Person as long as the Policy remains in force. Payment of this benefit will not reduce the Face Amount of the Policy. This benefit is not payable for Dependent Children. We will pay this benefit regardless of the test results.<\/p>\n PRE-EXISTING CONDITION <\/strong>We do not pay benefits for any Pre-existing Condition during the initial 6 month period beginning on the Effective Date of coverage on a Covered Person. An Illness resulting from a Pre-existing Condition commencing thereafter will be covered unless otherwise excluded by name or specific description in this Policy.<\/p>\nA Pre-existing Condition means a condition or illness for which medical advice or treatment was recommended by or received from a physician within the 6 months immediately preceding the Effective Date of coverage on a Covered Person.<\/p>\n OTHER LIMITATIONS AND EXCLUSIONS<\/h3>\n1. We do not pay benefits for any Illness diagnosed and\/or treated outside the United States, the U.S. territories or the countries of Canada and Mexico. 2. We do not pay benefits for any Illness due to or resulting directly or indirectly, from: a. war or any act of war, whether declared or undeclared, or participation in a riot or insurrection; b. intentionally self-inflicted injury; c. injury sustained while engaged in illegal occupation or committing or attempting to commit a felony; d. suicide or attempted suicide; e. intoxication or being under the influence of narcotics unless taken as prescribed by a physician; or f. injury sustained while engaged in or taking part in aeronautics and\/or aviation, other than as a fare-paying passenger in any aircraft then licensed to carry passengers.<\/p>\n | | |