Covered Critical Illnesses

• Life Threatening Cancer
• Heart Attack
• Kidney (Renal) Failure
• Stroke
• Coma
• Coronary Artery Bypass Graft
• Loss of Sight, Speech or Hearing
• In-Situ Cancer
• Major Organ Transplant
• Paralysis
• Severe Burn
• Activities of Daily Living: Pays benefits if the insured person is diagnosed with loss of the ability to perform two or more Activities of Daily Living (such as dressing, bathing and eating) without the assistance of another person
• Ruptured Cerebral, Carotid or Aortic (Abdominal or Thoracic) Aneurism

Although we hope you never have to experience any of these covered medical conditions, you should know this policy will pay you for each condition independently – so if you have a heart attack one year and are diagnosed with cancer later on, then you would receive two separate payments. Payment of selected benefit amounts is made upon the first diagnosis of each critical illness and is subject to a 30-day waiting period following member’s effective date of coverage.

Benefit payments are reduced by 50% if the insured is 65 or over, and coverage terminates at age 70. For a complete explanation of benefits, please refer to the Insurance Certificate.

Pre-Existing Waiting Period: Please be aware, if in the past 12 months any person to be insured has been diagnosed with, advised to seek treatment for, received medication for, or treated by a medical practitioner for a condition then there will be a 12-month waiting period for critical illnesses related to that condition.