Maximum Issue Limits: $5,000 - $50,000 for each category
Multiple Benefits across Categories: The first benefit is paid to you upon the initial diagnosis of a condition or procedure (see detailed list) in any one of the three categories. If you continue to pay the premiums and are diagnosed with a condition or procedure in a different category, you will again receive the benefit payment indicated. Your maximum benefit is up to three times the critical illness policy benefit amount. The multiple conditions must be diagnosed at least 180 days apart.

 

Category I: Invasive Cancer (100 percent)
Non-Invasive Cancer (cancer in situ) (25 percent - payable once per lifetime)
Maximum benefit for this category: 100 percent

 

Category II: Heart Attack (100 percent)
Heart Transplant (or combination transplant including heart) - (100 percent)
Stroke (100 percent) 
Coronary Bypass Surgery (25 percent - payable once per lifetime)
Angioplasty (10 percent  - payable once per lifetime)
Maximum benefit for this category: 100 percent

 

Category III: Advanced Alzheimer's Disease (100 percent)
Coma (not as a result of a stroke) (100 percent)
End-stage Renal (kidney) Failure (100 percent)
Major Burns (100 percent)
Major Organ Transplant (other than heart) (100 percent)
Paralysis (Not as a result of a stroke) (100 percent)

Maximum benefit for this category: 100 percent
Multiple Benefits within Categories: If you have received a partial benefit within a category (e.g., 25 percent of the benefit for coronary bypass surgery) and you have another illness in the same category that pays 100 percent of the benefit (e.g., heart attack), you will receive the remainder of the total benefit for that category (e.g., 75 percent).

Renewability: Policy is guaranteed to age 75.

Waiting Period: Coverage begins immediately for all conditions in Category II - Heart/Stroke and Category III - Other Illnesses and Conditions. Category I - Cancer has a waiting period. See specifics below.
Category I - Cancer Definitions: - Invasive cancer is a malignant tumor with uncontrolled growth beyond its original site (includes leukemias and lymphomas).
- Non-invasive cancer (cancer in situ) is a malignant tumor that has not invaded surrounding tissue.

Category I - Cancer Waiting Period: Invasive and non-invasive cancers have a reduced benefit for the first 90 days of the policy. If cancer is diagnosed during the policy's first 90 days, the policy pays 10 percent of the maximum benefit for invasive cancer or 2.5 percent of the maximum benefit for non-invasive (in situ) cancer. If cancer is diagnosed after the policy's first 90 days, the invasive cancer benefit is 100 percent, and non-invasive cancer is 25 percent.

 

Survival Period Requirements: There are no survival period requirements. If you die of a covered illness and meet the criteria (including first-ever diagnosis), your beneficiaries receive the maximum benefit less any benefits previously received within that category for that illness.

Family Coverage: Your spouse and/or children may receive critical illness insurance through riders on your policy with additional premium.

 

Benefit Payment: The benefit payment goes directly to you and may be used for anything you wish (e.g., medical bills, mortgage or credit card payments, travel, experimental treatments, etc.)
Return of Premium upon Death: If you die of any cause, 100 percent of the premiums paid by you less any benefits received are paid to your beneficiary. If you die of a covered illness and meet the criteria (including first-ever diagnosis), your beneficiaries receive the maximum benefit less any benefits previously received within the category for that illness. There is no extra charge for this provision.

Optional Riders: Riders (for additional premium):
Return of Premium Rider - 100 percent of premiums paid less any benefits received are returned when policy terminates at age 75. If terminated before then, a percentage of premiums paid less any benefits received are returned (see table in rider contract).
Disability Waiver of Premium Rider
Accidental Death Benefit Rider
Spouse Critical Illness Benefits Rider
Children's Critical Illness Benefits Rider

Payment Modes: Annual, semi-annual, quarterly, monthly bank draft and list bill