CRISIS RECOVERY CRITICAL ILLNESS PLAN

Thanks to medical advances, more and more American are surviving major medical crises– cancer, strokes, heart attacks and kidney failure. We all realize that many individuals who have been diagnosed with what at one time were considered fatal illnesses are now overcoming the odds and
surviving. Unfortunately, it places a tremendous emotional strain on the family and many times accompanied by an overwhelming financial burden.  Your financial security is most threatened when you are told by a physician that you have suffered a heart attack or stroke or that the tissue taken during a biopsy is, in fact, malignant.

PLAN FEATURES
A lump sum cash benefit paid directly to you upon the diagnosis of a covered illness.

Use your Crisis Recovery benefits any way you wish


Non-medical expenses resulting from your condition.


Deductibles, co-pays, prescriptions, experimental treatments and out of network expenses.


Extended convalescence services or for rehabilitation.


Treatments that are not covered by or limited by your existing medical insurance.


Your mortgage, auto loans and credit card payments.


Home or automobile alterations for special needs.


Expenses for child and/or nursing care.


Your income and your spouse’s lost wages while he or she cares for you or any other bills you may have.

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PRE-EXISTING CONDITION LIMITATION. Pre-existing conditions are excluded for the first 12 months following the effective date of coverage. Pre-existing conditions is the condition for which medical treatment was rendered or recommended by a physician or for which drugs or medicine was prescribed within 12 months prior to an insureds affective date. A condition shall no longer be considered a pre-existing condition after the date a person has been covered under the policy for twelve consecutive months.
BENEFITS AND AVAILABILITY MAY VARY BY STATE. For more information about policy/ plan benefits and limitations, please refer to the outline of coverage or policy as approved in your state. Please refer to your policy for definitions and all other exclusions and limitations.