Critical Illness

$2,500 Critical Illness Benefit

The Critical Insurance benefit is available to members of America’s Health Care Consumer Association Signature 1000 plan.

The carrier will pay this benefit, subject to the reduction schedule and benefit payment conditions listed in the Certificate of Coverage, if while in force, an insured person is first diagnosed with a specified critical illness by a physician. 

Maximum Benefit Amount per Insured Person  $2,500
   
Critical Illness Diagnosis Benefit Percentage of Critical Illness
Maximum Benefit Amoun
t
Life Threatening Cancer more than 90 days after Effective Date   100%
Life Threatening Cancer within first 90 days of coverage 10%
Heart Attack 100%
Kidney (Renal) Failure 100%
Stroke 100%

*All members of the Signature 1000 plan are enrolled into the America’s Health Care Consumer Association to be eligible to receive these benefits.  The Critical Illness benefits are underwritten by AIG Life Insurance Company of Wilmington, DE and subject to the terms, conditions, exclusions and limitations of coverage as set forth in the description of coverage provided in your membership materials and the Group Critical Illness policy No. CIP8600219 issued to the America’s Health Care Consumer Association in Illinois. The amount payable for critical illness will be reduced 50% if an insured person is age 65 or older on the date the benefit becomes payable.  Coverage terminates at age 70.  Payment of benefits upon the first diagnosis of critical illness is subject to the diagnosis being made in the United States; while the insured person’s coverage is in force under the policy and more than 30 days after the person’s effective date of coverage; and payment is not precluded by any general or specific exclusion or limitation set forth in the policy or any failure to meet any condition precedent set out in the policy.  Once 100% of the maximum benefit amount has been paid for an insured person, coverage terminates and no further benefits are payable for the insured person.  Spouse benefits are only available to members enrolling in a family membership.  Not available in CT or WA.  The benefits are not payable in connection with a pre-existing condition during the initial 24 consecutive months the insured person has been enrolled for coverage, including any waiting period for coverage eligibility.

Access Plans USA

America's Health Care Consumer Association