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Critical Illness Insurance

Sample plan details are for unmarried female 24, non-smoker, ZIP code 

33772


Deductible

The amount of covered expenses that the insured must pay before a plan or insurance contract starts to pay.

$0.0



Coinsurance

Most policies require the insured to pay some portion of the health care bills. A typical arrangement is that the insurer pays 80 percent and the insured 20 percent, up to $3,000 of covered expenses after the insured has paid the deductible. After the insured hits the maximum out-of-pocket limit, the insurance company pays 100 percent of covered expenses during the remainder of the calendar year, up to any applicable annual benefit or lifetime maximum of the policy.

None


Coinsurance Out-of-Pocket Maximum

The limit on the amount an individual is required to pay for health care services covered by his or her benefits plan after the deductibles and any copays are paid. Refers to care received from the network of participating physicians, hospitals, and health care professionals. Coinsurance Out-of-Pocket amounts are in addition to any Deductible amounts.

0.0


Underwriter

Golden Rule Insurance Company


Waiting Period

First diagnosis must be made at least 30 days AFTER your effective date


Carcinoma in Situ

Percentage of Maximum Lifetime Benefit Amount: 25%


Coma

Percentage of Maximum Lifetime Benefit Amount: 100%


Coronary Artery Bypass Graft

Percentage of Maximum Lifetime Benefit Amount: 25%


Heart Attack

Percentage of Maximum Lifetime Benefit Amount: 100%


Life-Threatening Cancer (diagnosed more than 90 days after effective date)

Percentage of Maximum Lifetime Benefit Amount: 100%


Life-Threatening Cancer (diagnosed after the waiting period but within the first 90 days)

Percentage of Maximum Lifetime Benefit Amount: 10%


Loss of Hearing

Percentage of Maximum Lifetime Benefit Amount: 100%


Loss of Speech

Percentage of Maximum Lifetime Benefit Amount: 100%


Loss of Vision

Percentage of Maximum Lifetime Benefit Amount: 100%


Major Transplant

Percentage of Maximum Lifetime Benefit Amount: 100%


Paralysis: Quadriplegia

Percentage of Maximum Lifetime Benefit Amount: 100%


Paralysis: Paraplegia

Percentage of Maximum Lifetime Benefit Amount: 100%


Paralysis: Hemiplegia

Percentage of Maximum Lifetime Benefit Amount: 100%


Renal Failure

Percentage of Maximum Lifetime Benefit Amount: 100%


Stroke

Percentage of Maximum Lifetime Benefit Amount: 100%