Critical Illness Insurance

A critical illness, such as a heart attack, stroke or major organ transplant, is a sudden event that often comes with no warning signs. Even if you have health insurance, medical bills add up quickly, not to mention that you’re still responsible for paying health insurance premiums, rent or mortgage, school tuition, food and utilities bills and more. If such an event were to befall you, could you financially survive it?

Critical Illness insurance can pay you a lump sum benefit at the first diagnosis of certain covered illnesses, including heart attack, stroke, major organ transplant, permanent paralysis, end-stage renal failure, coronary artery bypass surgery (pays a 25% benefit) and cancer (optional rider). Members up to age 69 who are currently working are eligible. The health screening benefit, which is automatically included with the policy, pays $50 per calendar year per insured individual if a covered health-screening test is performed. The tests covered under this benefit are:

• Blood test for triglycerides
• Bone marrow aspiration/biopsy
• CA 15-3 (breast cancer)
• CA 125 (ovarian cancer)
• CEA (colon cancer)
• Chest X-ray
• Fasting blood glucose level
• Flexible sigmoidoscopy
• Hemocult stool analysis
• Mammography
• PAP Smear
• PSA (Prostate cancer)
• Serum cholesterol test
• Serum protein Electrophoresis (myeloma)
• Skin cancer biopsy
• Stress test on a bicycle or treadmill
• Thermography
• Thin prep PAP test

Choose the benefit amount that is right for you – from $5,000 to $50,000 in $1,000 increments. Coverage is available for family members as well. Premiums are automatically deducted from your checking account.