Health Coverages

Specified Critical Illness

Provides additional money to employees if they suffer a covered condition

• Benefit amounts from $10,000 to $100,000
• l0% of the benefit amount is paid immediately upon first treatment or diagnosis; balance of benefit is paid upon surviving 14 days
• No coordination of benefits; payment is in addition to any other insurance
• Coverage for the following conditions: cancer (except skin cancer), heart attack, stroke, kidney failure, brain tumor, Multiple Sclerosis, organ transplants (as a recipient only), severe burns, blindness, paralysis and a dismemberment
• Guaranteed renewable for life (unless benefits are paid)
• Benefits are portable - the insured can keep the coverage even if there is a job change

Cancer

Provides cash benefits to use for treatment, transportation and other related expenses associated with a cancer diagnosis

• First occurrence benefit upon initial diagnosis of any cancer (except skin cancer)
• Daily hospitalization benefit; doubles for intensive care
• Treatment benefits (inpatient or outpatient) for surgery anesthesia, chemotherapy and radiation
• Preventive treatment benefit for cancer screening and check-ups
• Miscellaneous benefits, including physician benefit, private duty nurse, prescribed drugs, blood and plasma, and transportation to and from hospital
• Once the policy has been in force for 20 years, the coverage continues for the rest of the insured’s life with no additional premiums due
• Available for individuals or families
• Benefits are portable - the insured can keep the coverage even if there is a job change

*The information provided is simply an overview of the products and services. The terms of the policy or certificate determine the actual coverage. Product availability and options may vary by state. For costs and further details of the coverage, including exclusions, any reductions or limitations, and the terms under which the policy may be continued in force - contact ChamberSolutions or see your account executive.