Critical Illness Benefits - Flex Benefits

Critical illness insurance offers a lump sum benefit upon the diagnosis of a covered critical illness, such as cancer, stroke, or heart attack. The benefit can help with treatment costs, lost income, and lifestyle changes brought on by the illness.

Benefits will be paid if the member has a first-ever diagnosis of a covered critical illness while insured under the policy or a covered procedure while insured under the policy. A covered member is eligible for payment up to the maximum benefit amount, based on the benefit percentage specified in the Schedule of Benefits for such covered condition or procedure subject to the waiting period.

If a 100% benefit is paid for a covered condition or covered procedure, no further benefits for that condition or procedure will be paid, except as provided under the recurrence benefit.

Benefits can be paid more than once for the same critical illness if the first benefit paid is not a 100% benefit and subsequent benefits will be paid as a percentage of the benefit amount until the sum of all payments for covered conditions or covered procedures equals the benefit amount. See the critical illness recurrence benefit schedule.

After benefits are claimed for a critical illness, benefits are payable for remaining critical illnesses up to the lifetime maximum benefit. Once the lifetime benefit amount has been paid for a covered person, coverage for that covered person terminates and not further benefits are payable for that covered person.

There is a 30-day waiting period before a qualifying critical illness becomes eligible for benefit consideration. Not available in all states. Please review the policy certificate for details.

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