Critical Illnesses

$25,000 Critical Illness Solutions Rider

• 1. $25,000 One Time Benefit. This rider increase the benefit offered to $25,000.
• 2. The insurance carrier will pay one time benefit of $25,000 for the diagnosis of a critical illness.
• 3. Family coverage will cover just the primary insured and their spouse (children are not covered).
• 4. Pre-existing conditions are covered after 12 consecutive months of coverage.
• 5. The policy has 10 Critical Illnesses that are covered.
• 6. The Critical Illness plan is not HIPAA eligible.

Critical Illness Solutions Rider Details

Critical Illness Diagnosis

If an insured person is diagnosed with a critical illness, listed below, by a physician, the Company will pay a benefit subject to the Benefit Payment Conditions and Schedule of Benefits of the plan selected. Once a 100% of the maximum benefit amount has been paid for an insured person, coverage terminates and no further benefits are payable to that insured person.

Life Threatening Cancer

Pays benefits if an insured person is first diagnosed with life threatening cancer, more than 90 after the person's effective date of coverage. (The benefit is 10% payment after 30 days and before 90 days.)

Heart Attack

Pays benefits if an insured person is first diagnosed as having suffered a heart attack more than 30 days after the person's effective date of coverage.

Kidney (Renal) Failure

Pays benefits if an insured person is first diagnosed with having suffered kidney (renal) failure more than 30 days after the person's effective date of coverage.

Stroke

Pays benefits if an insured person is first diagnosed with having suffered a stroke more than 30 days after the person's effective date of coverage.

Coma

Pays benefits if an insured person is first diagnosed as being comatose more than 30 days after the person's effective date of coverage.

Coronary Artery Bypass Graft

Pays 25% of the benefit amount if an insured person is first diagnosed with a condition that necessitates a Coronary Artery Bypass Graft and receives the Coronary Artery Bypass Graft more than 30 days after the person's effective date of coverage. This benefit is paid once per lifetime.

Loss of Sight, Speech or Hearing

Loss of Sight, Speech or Hearing Pays benefits if an insured person is first diagnosed with loss of Sight, speech or Hearing more than 30 days after the person's effective date of coverage.

Major Organ Transplant

Pays benefits if an insured person is first diagnosed with a condition that necessitates a Major Organ Transplant and receives that Major Organ Transplant more than 30 days after the person's effective date of coverage.

Paralysis

Pays benefits if an insured person is first diagnosed as being paralyzed more than 30 days after the person's effective date of coverage.

Severe Burns

Pays benefits, depending on the severity of the burn, if an insured person is first diagnosed with having suffered a Severe Burn more than 30 days after the person's effective date of coverage.

These are brief descriptions of the coverage available under the policy. The policies will contain limitations, exclusions and termination provisions.