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Critical Illness Insurance
We offer a critical illness insurance
product that provides plan members and their family with the
financial peace of mind they need in order to deal with their condition
and focus on recovery.
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Member’s Critical Illness Insurance
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This coverage guarantees the payment of the
lump sum benefit provided for in the contract to an insured who survives
30 days following the diagnosis of a covered illness. It is offered with
a choice between units or multiples of annual salary.
The group plan covers the following critical
illnesses:
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Heart attack |
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Stroke |
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Life threatening cancer* |
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Failure of both kidneys |
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Paralysis |
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Multiple sclerosis |
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Blindness |
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Deafness |
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Coronary artery bypass surgery |
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Major organ transplant |
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Motor neuron disease (including Lou
Gehrig’s disease) |
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Benign brain tumor* |
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Coma |
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Major burns |
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Loss of speech |
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Parkinson’s disease |
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Alzheimer's disease |
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Occupational HIV |
* No benefit is payable if cancer or a brain tumor is diagnosed within
90 days of the effective date of coverage.
The group policy provides a detailed definition for each of the above
illnesses and conditions.
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Member’s Optional Critical Illness
Insurance |
This additional Critical Illness Insurance amount
is offered with a choice between units or multiples of annual salary.
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Spouse’s Optional Critical Illness
Insurance |
This Critical Illness Insurance guarantees that
plan members will receive payment of the lump sum benefit provided for
in the contract if their spouse survives 30 days following the diagnosis
of a covered illness. The coverage is offered with a choice of units.
The group plan for spouses covers the same critical
illnesses as the Member’s Critical Illness Insurance
plan.
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Children’s Optional Critical Illness
Insurance |
This Critical Illness Insurance is especially
tailored for children. It guarantees that plan members will receive payment
of the lump sum benefit provided for in the contract if their child survives
30 days following the diagnosis of a covered illness. The coverage is
offered with a choice of units.
This amount could allow plan members to take
time off in order to care for a seriously ill child or to cover expenses
related to a child’s illness.
The following illnesses are covered
for eligible children:
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Life threatening cancer* |
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Kidney failure |
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Major organ transplant |
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Benign brain tumor* |
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Blindness |
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Deafness |
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Paralysis |
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Congenital heart disease |
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Cerebral palsy |
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Down’s syndrome |
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Cystic fibrosis |
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Muscular dystrophy |
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Autism |
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Type 1 diabetes |
* No benefit is payable if cancer or a brain
tumor is diagnosed within 90 days of the effective date of coverage.
The group policy includes a detailed definition
for each of the above illnesses and conditions.
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