
CancerPlus - Critical Illness Insurance
A critical illness can impact your family at any time.
It pays to be ready.
A recent study in Washington state found that compared to the general population, bankruptcy rates were nearly twice as high among cancer patients one year after diagnosis, and that the median time to bankruptcy was two and a half years after diagnosis.1 Critical Illness insurance can help you and your family prepare for the financial stress a critical illness can cause.
Understanding CancerPlus
CancerPlus is designed to come to the rescue of those budget conscious families by helping pay the costs associated with the initial occurrence of a heart attack, stroke, cancer or other serious illness as defined in the policy.
You choose your benefit amount. Benefits are also available for your spouse and eligible children. If you elect dependent coverage, their benefit amount will be 50% of the benefit you elect.
Critical Illness Lump Sum Benefit
CancerPlus pays you a lump sum benefit equal to the amount you choose multiplied by the applicable percentage shown in the Schedule of Benefits upon the first ever occurrence of a covered critical illness within each category. If the benefit payment is less than 100% of the selected benefit amount, the policy pays another lump sum benefit amount upon the diagnosis of a different type of critical illness within the same category up to the limit per category. There is a lifetime maximum of three times the benefit amount you choose.
Issue Ages
Employee & Spouse: Age 18 and up (Through age 64 in CA)
Eligible Children: From birth through age 25
Additional Benefit Riders
Cancer
Benefit Rider
Occupational HIV
Benefit Rider
Wellness
Benefit Rider
Initial Hospitalization for Accidental Bodily Injury
Benefit Rider
Benefit Rider
Recurrent Critical Illness
Benefit Rider
Accident Emergency
Treatment Benefit Rider
Intensive Care
Benefit Rider
Quality of Life
Benefit Rider
Payments can be used to cover related expenses, medical or otherwise, including:
Hospital bills and other medical expenses
Child care or
house-sitting for the family pet
Credit card payments and other household bills
Travel to out-of-town hospital or treatment facility
Deductibles,
co-pays and
non-medical expenses such as missed work and house-keeping
Benefit Amount: Select coverage of either $10,000 to $20,000 in increments of $5,000
CancerPlus - Critical Illness Insurance


Benefit Payment Example
Benefit Amount Selected: $20,000 Effective date of coverage: 1/1/2012

Total Benefit Paid Under this Coverage: (3 x Selected Benefit Amount) $60,000
1 Fred Hutchinson Cancer Research Center. “Bankruptcy rates among cancer patients increase along with survival time, study finds.” ScienceDaily, 6 Jun. 2011. Web. 5 Jul. 2011. Use of statistic does not imply endorsement.
Policy form series CPCI0400 and CCCI0400. Forms and form numbers may vary and this coverage may not be available in all jurisdictions. This is a brief summary of CriticalAssistance Advance, Critical Illness Insurance. Limitations and Exclusions apply. Refer to the policy, certificate and riders for complete details.

